Protection planning
Shareholder Protection
Help surviving shareholders retain control while providing fair value to an outgoing shareholder or their family.
Personal adviceA clear recommendation, built around your circumstances.
- Cover matched to real risks
- Options explained clearly
- Regular review support
What you need to know
Planning for the loss of a shareholder
If a shareholder dies or becomes seriously ill, their shares may pass to family members who would prefer cash, or to someone who does not share the company’s objectives. The remaining shareholders may want to retain control but lack the funds to purchase the shares.
Shareholder protection combines an appropriate insurance policy with supporting documentation so funds can be available following death or a specified critical illness.
Potential benefits
- Enable shares to transfer to surviving shareholders or the company at a fair commercial price
- Provide funds to purchase the shares without drawing on money reserved for other purposes
- Reduce the risk of shares passing to hostile parties or competitors
- Support business stability and continuity
- Maintain confidence among employees, customers and lenders
The plan has no cash-in value and cover will lapse if premiums are not maintained. Policy definitions, tax treatment and legal documentation require individual consideration and may change.
Our process
How Can Our Team Help You to Reach Your Goals
- 01
Understand what matters
We look at the people, income, debts and business responsibilities your plan may need to protect.
- 02
Identify the gaps
Your adviser tests different scenarios to show where existing arrangements may leave you exposed.
- 03
Compare suitable cover
We explain the benefits, exclusions, costs and trade-offs so you can choose with confidence.
- 04
Keep the plan relevant
Protection should evolve with life and work, so we make it straightforward to review when things change.
Your advice team
Meet the people behind your advice
Anandan Oliyath
Mortgage & Protection Advisor
Armstrong Mbazang
Mortgage & Protection Advisor
Bhim Bashyal
Mortgage & Protection Advisor
Bino Job
Protection Advisor
Helpful guidance
Read, plan and feel better informed
Ready when you are
Let’s make your next decision feel clearer.
Start with a straightforward conversation about where you are and what you want to achieve.
