Your business doesn't stop. Even if they do.

If a director, salesperson or technical expert you rely on died or became critically ill tomorrow, what would it cost the business? Key person insurance puts cash in the business to manage that impact.

Initial consultations are completely free of charge. There's no obligation to proceed and there is no fee for protection advice.

Should you fail to disclose or misrepresent a fact, then you risk the insurer only paying part of a claim, declining to pay all of the claim or possibly declaring the policy invalid.

• Death and critical illness options
• Cover calculated against lost revenue or loan liability
• Company-owned policy, company is the beneficiary
• Tax treatment carefully structured
• Combined with life cover for the individual

Key person protection is cover a business takes out on someone it genuinely depends on, often a founder, a lead salesperson, or whoever holds the technical knowledge. If that person dies or becomes seriously ill, the policy pays the business a lump sum.

The point of it is time. It gives the company breathing room to recruit, steady its cash flow, and reassure lenders and customers rather than making decisions under pressure.

Talk to me before you decide anything.

Free call, no commitment. I'll give you the honest picture and a recommendation that's right for you.