Financial Services Zone

Tax-efficient, sensible financial planning and protection for self-employed individuals and small business owners.

The Clever Protection Portfolio

There are loads of great things about being your own boss. But theres one big risk If youre self-employed or a small business owner and you cant work you dont get paid simple as that. Were not saying that to scare you but because its a fact that should be accepted and planned for. We encourage all our clients to ask the question What if? How would I and/or my family cope if?

And then to plan for the answer.

There are a few basic elements to a protection plan and we can provide them all as one easy to implement and apply for package that will cover all circumstances and help you to sleep at night:

Life Assurance: pays your chosen beneficiaries a tax-free lump sum if you die.

Critical/Serious Illness Cover: pays out a tax-free sum if you suffer a serious illness.

Permanent Health Insurance: replaces 75% of your previous income if you are unable to work due to health reasons.

Accident/Sickness/Unemployment Cover: cover for sole traders.

We can also provide private medical insurance.

Business / Corporate Protection

Limited companies and partnerships should also consider:

Key Man Insurance: pays out a lump sum to the business in the event of the death of a key member of staff.

Directors Share Protection: pays out a lump sum on the death of a shareholder, enabling the business to purchase the shares from the estate of the deceased, where both parties agree.