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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.
Helping you to understand:
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.
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.
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.
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.
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.
We have over 1250 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.
Simple, online and personal. Provide some details and let us do the
rest!