Create Financial Management - Independant Financial Advisors, Creating and protecting wealth
Tel: 01332 548100

Business Assurance

Business assurance

Business Assurance deals with protecting your business from the adverse financial effects of the death of a key person, partner or shareholder.

Business Assurance deals with protecting your business from the adverse financial effects of the death of a key person, partner or shareholder. Business protection can be especially important to smaller companies whose reliance on key individuals for profit may be greater than larger companies.

There are two main types of business assurance: Key Man Assurance and Partnership Assurance /Shareholder Protection.

Key Man Assurance

This is used to inject a lump sum of cash into a business in the event of the loss of a ‘key person’. A key person may be a top salesman, or a key designer in a design company etc, someone whose death would have a direct and adverse effect on the companies income. The usual solution is a term assurance policy whose sum assured should be worked out with your financial adviser.

Partnership Assurance and Shareholder Protection

This deals with protecting the families and co-owners in the event of the death of one of the partners or directors. Each party agrees beforehand the value of his or her share and a combination of term assurance policies and legal documents are put in place to ensure that in the event of a partner or shareholders death, the remaining co-owners have a sum in place to buy out the family of the deceased.

The plan will have no cash in value at anytime and will cease at the end of the term.  If premiums are not maintained, then cover will lapse.

Contact us to find out more.


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Tel: 01332 548100
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