Business Protection

Business protection is all about insuring for the unexpected. It's a way of protecting your business if something goes wrong.


In the interests of financial security, business stability, and continuity - particularly for private limited companies where there may only be a small number of principal shareholders - it is important to provide a safety net following the loss of a shareholder
One of the great risks of a business partnership is that one of the partners may die or suffer a specified critical illness, with his or her share of the business passing to their beneficiaries. The safety net is a pre-arranged scheme to ensure the surviving partners have enough funds to buy out the departed partner's interest in the business.
Key person insurance is an important form of business insurance. There is no legal definition for 'key person insurance'. In general, it can be described as an insurance policy taken out by a business to protect that business for potential financial losses that could arise from the death or extended incapacity of an important member of the business specified on the policy.

Personal Finance

The 4% rule is the most famous and misleading of all the financial rules of thumb. We take it apart.
ISAs are an investment for all seasons — encouraging a savings habit when we are young, providing security in middle age and offering tax-free income when we retire.
An end of tax year checklist detailing what you need to do to make the most of the available tax breaks before 5th April.
Pension freedom created flexibility but also means ordinary people must make difficult financial choices, so should more savers seek professional financial advice? We take a look.