Shareholder protection

Shareholder Protection is a type of business insurance that provides a lump sum in the event of a shareholder's death or critical illness. The lump sum enables the surviving shareholders to buy the shares, which might otherwise go to an unwelcome beneficiary or potential competitor.

A business can choose to take out a life cover only policy, or include a critical illness benefit. In the event of a lump sum payout, the business can use the money in a number of ways:

– To minimise the financial disruption caused by the death or critical illness of a shareholder
– To buy back the shares without having to raise additional capital
– To ensure the smooth transition of shares at a difficult time

There are a number of providers of Shareholder Protection, but it’s important to seek advice from your accountant, and an independent financial adviser first. They can help you understand the exact cover requirements for your business, the information you’ll need to apply for cover and the best provider to approach.

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