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Keep up to date with policy changes and your legal obligations.

Manage group pensions in a tax efficient way.

Enhance your recruitment and retention proposition through attractive employee benefit and staff incentive packages.

Protect your business against the unexpected loss of shareholders and key people.

No matter how good your business idea or how successful your enterprise becomes, its future may depend on how well you’ve prepared for the unexpected.

If you think about your core team, the skills and more importantly knowledge of your business and its inner workings that your key individuals have, what would you do if you unexpectedly lost them to illness or sudden death? Are they replaceable and at what cost to your business?

At Fairstone, we understand how busy you are and how hard it is to make time to focus on planning for the financial future of your organisation. We’ll do the hard work for you, assessing the risks and putting the structure in place to help mitigate them.

Download Our
Corporate Financial Advice Guide

Helping you to understand:  


  • The protection options available
  • When protection should be considered
  • How the death of a key person could impact your business

Download guide

Corporate financial planning - your key questions, answered

What is shareholder protection?

Shareholder protection can help by setting out how shares are to be managed if a shareholder passes away.

The policy can also include critical illness and is taken out on the lives of each shareholder by either fellow shareholders, or the business.

Should a shareholder die or become critically ill, pay-outs can be used to purchase the shares of the holder.

What is loan protection?

Most businesses will have some form of commercial debt and the average business borrowing currently stands at £344,000. This can include overdrafts, commercial loans/mortgages or directors’ loan accounts. These types of liabilities can be protected against both death and diagnosis of a critical illness.

What are relevant life plans?

Possibly the most under-used business protection product available, relevant life plans enable large businesses to set up group life plans, providing cost effective life assurance protection for employees and directors alike. This is particularly useful for business owners as it can provide life cover for themselves, paid for by the business with no adverse tax implications (P11d) and in the event of death, the sum assured can be paid without impacting on their estate from an inheritance tax perspective.

What is key person insurance?

Key person insurance is a policy that helps to safeguard a business against the financial impact of death, terminal illness or critical illness of a key person during the policy term. It will usually cover you for recruitment and training costs and well as the value of lost business.

The policy is written on the life of the key person but owned and paid for by the business.

As a business owner how do I help employees to plan for their retirement?

There are a range of potential solutions that will provide both you, and your employees, with tax efficient retirement benefits. This includes autoenrollment, Small Self-Administered Schemes (SSAS) or group SIPPs (Self-Invested Personal Pension).

Your Fairstone adviser can provide further information and help you decide on the right route for you and your business.

Matching you with the right local adviser for your needs

We have over 1200 local advisers and staff specialising in investment advice all the way through to retirement planning.

Provide some basic details through our quick and easy to use online tool, and we’ll provide you with the perfect match.

1 easy
steps

Simple, online and personal. Provide some details and let us do the rest!

  • 1 Tell us about your financial goals
  • 2 Tell us about yourself
  • 3 We'll get in touch to match you to an adviser