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A Trading Style of Platinum Financial Consulting

Authorised and Regulated
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THE FINANCIAL CONDUCT
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FCA Registration No : 227014  
     
 

Keyman Insurance

 

Keyman (or should that be keyperson) Insurance is designed to protect a business.

It can take the form of life insurance, critical illness insurance and income protection, or a multiple of all three.

We specialise in helping people who have had an application declined, postponed or refused.

We can also help if you are in perfect health too!!

Keyman insurance is really a specific use of a policy, rather than a specific policy type.

The aim of this type of insurance is to allow a business to continue trading or operating if the "key" man is unable to work for the business due to either death or illness.

Depending on the keyperson and the role they perform, you may need to consider the types of insurance that you want or need. Are your profits at serious risk if a certain employee is unable to perform their role? Is somebody's role so vital to the business that it would take a while to train a replacement?

These are just some of the reasons to consider keyman insurance.

Even the smallest company may have employees or directors who are vital to the long term success of the business.

Who would be a keyperson in your business ?

Technical staff or product design people who understand your products or services

Sales managers who maintain and grow key contracts

Business innovators and entrepreneurs

You can use the benefit that the policy would pay out in a number of ways:

To employ and train a replacement

To underwrite projected profits

To buy the keyman's shares (see shareholders' agreements below)


Share Holders' Agreements

 
 
 
If you are in a business with a number of key players who are also shareholders, it is a prudent idea to protect the business by having a shareholders' agreement.

It may be that 4 directors each own 25% of the business shares. If one of those directors were to die, then the shares would pass to their family. It could cause problems for the business if the family member who inherits the shares is uncooperative or requires a return of initial capital.

In a worst case scenario, the family member could force the business to go into liquidation or be wound up.

A shareholders' agreement is normally supported by a life insurance policy. The business has an insurable interest in the directors and therefore the insurance is owned by the business. The amount of cover in the example above should be at least 25% of the share capital (the value) of the business. In the event of the death of one of the directors / shareholders, the agreement is invoked. The deceased director's shares are split between the remaining directors and the family receive the proceeds of the policy.

     
Life Insurance Help Contact Details
 
Platinum Financial Consulting
The Old School House, East End Road
Bradwell-on-Sea, Essex, CM0 7PY


Telephone : 020 33 55 4831               Fax : 0871 277 1422          Email : help@platinumifa.co.uk

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FCA Registration Number : 227014

 
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