Carmarthen Mortgage Broker – UK Wide Service
Carmarthen Mortgage Broker – UK Wide Service
If a director or key shareholder:
• Dies unexpectedly
• Suffers a serious illness
• Is unable to work long term
What happens to:
• Company cashflow?
• Loan repayments?
• Remaining shareholders?
• Your director’s family?
Most limited companies have no formal financial continuity plan in place.
Worried about how your company would cope if a director became seriously ill or passed away? Let’s put the right protection structure in place.
Book Your Protection Review
Without structured business protection:
• Surviving shareholders may struggle to buy shares from a deceased director’s family
• A key person’s illness can reduce revenue overnight
• Outstanding business loans may still need repaying
• The director’s family may inherit shares they cannot sell
This creates pressure at exactly the wrong time — emotionally and financially.
Business protection is not about fear.
It is about continuity, control and stability.
Business protection is not a single arrangement — it is a structured strategy built around your company.
Depending on your structure, this may include:
Ensures surviving shareholders can buy shares from a deceased director’s estate, keeping control within the business.
Provides a lump sum to protect profits and stabilise cashflow if a key individual cannot work.
A tax-efficient way for limited companies to provide life cover for directors.
Repays outstanding loans if a director or guarantor dies or becomes critically ill.
Provides income if a director is unable to work long term due to illness or injury.
Worried about how your business would cope if something happened to you or a key person? Let’s protect it together
Book Your Business Protection ReviewKeeps ownership and control within the company if a director dies — preventing shares falling into the wrong hands and avoiding costly disputes.
Provides tax-efficient life cover for directors — protecting families without increasing personal tax burden.
Stabilises revenue and protects cash flow if a key individual is unable to work — giving your business time to recover without financial shock.
Ensures outstanding loans or personal guarantees are repaid if a director dies or becomes critically ill — protecting both the company and surviving directors.
Protects a director’s income during long-term illness — reducing financial pressure on both the household and the business.
When you work with me, you deal directly with an experienced adviser — not a call centre. I design and structure protection around your company, shareholders and financial commitments.
Book Your Business Protection Review1️⃣ Strategic Consultation
We analyse your company structure, shareholder agreements, financial commitments and risk exposure.
2️⃣ Protection Strategy Design
I design a structured business protection framework aligned to your shareholders, loans and profit stability.
3️⃣ Implementation & Alignment
Policies are arranged correctly and aligned with legal agreements where required, ensuring everything works together properly.
4️⃣ Director & Shareholder Clarity
I ensure all parties understand how the protection works and what happens in real-world scenarios.
5️⃣ Ongoing Strategic Review
Your protection is reviewed as your company grows, restructures or takes on new financial commitments.
When you work with me, you get direct, adviser-led support — not a call centre — and a properly structured business protection strategy built for long-term stability.
Protect Your Limited Company If a Director Dies or Cannot Work
Download your practical guide to protecting shareholders, loans and key people.
Get clear, structured advice tailored to your company, shareholders and financial commitments — with no jargon and no pressure
Book Your Business Protection Review