We offer a wide range of products to protect your business, employees and estate should you or one of your colleagues die or become critically ill.
This is a tax-efficient life insurance policy, allowing companies to offer a death-in-service benefit to its employees (including salaried directors). It's set up by the company and pays out a tax-free, lump sum on the death (or diagnosis of a terminal illness) of the person insured. Critical illness cover can also be included.
Share Protection Insurance
In the event of a shareholder's death or critical illness, one of the most important things to your business is to ensure continuity. Shareholder Protection can help ensure that you retain control and have the necessary funds to do so. Upon the death of a shareholder it can provide a lump sum payable to the company to allow them to purchase shares from the deceased person’s estate, in order to retain control. Critical illness cover can also be included.
Key Man Insurance
Key Person Protection (also known as key man insurance or key person insurance) is a business insuring itself against the financial loss it would suffer if a key person in their business died or were diagnosed with a specified critical illness if chosen, during the length of the policy. It can also pay out if the key person is terminally ill. The policy is owned and paid for by the employer so any benefit would be paid to the employer.
As with all insurance policies, conditions and exclusions will apply.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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