Protecting Business & Family

Protecting Business and Family with Smart Insurance Planning

The co-founder of a successful design consultancy with two fellow directors approached us. His main concern?

“What happens to my shares—or my family—if something happens to me?”

We implemented a Shareholder Protection policy with cross-option agreements—ensuring his business partners could buy his shares at fair value while his family received the proceeds. At the same time, he took out a Relevant Life Insurance policy, funded through his company.

This:

• Provided a tax-efficient personal life cover

• Didn’t count towards his pension lifetime allowance

• Saved both Income Tax and National Insurance

He now has:

• A clear exit plan in case of death or illness

• Family protection without draining personal income

• Peace of mind that his legacy—both business and personal—is secured

“It’s about protecting what I’ve built—from every angle.”

This is for illustrative purposes only and does not constitute advice.