Business & personal protection adviser in Surrey
Key person cover, shareholder protection, life insurance and more.
Get protected for life’s eventualities.
Business & Personal Protection Adviser
Life events can often catch us unawares. As the old saying goes, plan for the worst and hope for the best! As an experienced business protection specialist, I can help guard against life uncertainties. Executive income protection and relevant life plans are two key areas where I can offer guidance and independent advice. Looking into your business protection options? Contact me today for a free one-hour consultation.
A trusted, local business protection adviser covering Surrey
Providing the highest level of customer service is paramount to creating long lasting relationships.
Trust, integrity, and honesty are all values I adhere to when working with my clients.
With dozens of reviews from local individuals, with Sterling & Law, you finances and financial futures are in safe hands.
Business protection: How can I help?
If you are looking to protect yourself, your business and family from life’s unknowns here are the policies I can advise on:
- Relevant Life Policies. This form of protection policy is a form of life insurance. It helps businesses provide life insurance for employees
- Executive income protection. This policy helps protect the income of company owners and directors should they fall ill
- Personal and Family Protection. As a company director you can take out personal and family protection policies through your business
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Key Person Insurance. Helps protect your business against the financial impact of losing a key employee, director or business owner through death or serious illness.
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Shareholder Protection. Helps ensure remaining shareholders can retain control of the business if a shareholder dies or suffers a serious illness.
Relevant life policies
Relevant life policies provide a tax-efficient way for businesses to offer life insurance to directors and employees. For many company owners, they can be more cost-effective than arranging personal life cover.
Benefits may include:
- Tax-efficient premiums
- Life cover for directors and employees
- Potential corporation tax advantages
- Benefits paid outside the business
- Support for family financial security
A relevant life policy can be an effective addition to a wider business protection strategy.
Executive income protection
For many directors and business owners, their income is one of their most valuable assets. Executive income protection helps provide financial support if illness or injury prevents them from working.
Benefits may include:
- Security against loss of earnings
- Cover for long-term illness
- Tax-efficient business arrangements
- Financial security for directors
- Support during recovery periods
This type of cover can help protect both personal finances and business stability.
Personal and family protection
Business owners often have financial responsibilities that extend far beyond their company. Personal and family protection policies can help ensure loved ones remain financially secure if the unexpected happens.
These solutions may include:
- Life insurance
- Critical illness cover
- Income protection
- Family income benefit
- Mortgage protection
The right cover can provide reassurance that your family is protected whatever the future brings.
Key person insurance
Many businesses rely heavily on a small number of individuals. Key person insurance helps protect against the financial consequences of losing someone whose skills, knowledge or relationships are critical to the success of the company.
Benefits may include:
- Protection against loss of revenue
- Support with recruitment costs
- Business continuity planning
- Reassurance for lenders and investors
- Financial stability during transition periods
This cover can provide valuable breathing space while the business adapts to unexpected change.
Shareholder protection
Shareholder protection helps business owners plan for what happens if a shareholder dies or becomes critically ill. Without suitable arrangements, ownership of shares may pass to family members or other beneficiaries.
Benefits may include:
- Maintaining control of the business
- Funding to purchase shares
- Support for succession planning
- Protection for shareholders and families
- Greater certainty for all parties
A well-structured shareholder protection arrangement can help ensure the future of the business remains in the hands of those actively involved in running it.
Customer Testimonials
Have a read of some of my recent customer testimonials.
Andy is very approachable and explained everything in a very down-to-earth way that was easy to understand.
Andy has been really concise and clear about options available, has responded quickly and patiently with questions and generous with his time.
Andy listened to our needs and took onboard our circumstances and preferences to set a plan that will put us in a better position than we are at present.
Local Business Protection Adviser in Croydon
As a local, business protection adviser, I work with company directors helping them protect themselves and their businesses from life’s uncertainties. Typically, I advise on critical illness cover, shareholder protection, key person cover and more.
Everything starts with a conversation, contact me today for a free no-obligation meeting or call.
Andy Norrington, Independent Financial Adviser
As an IFA, I offer independent, impartial financial advice to a range of individuals and families. Here are my other services:
- Independent financial advice
- Pensions
- Financial planning
- Wealth management
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Intergenerational & inheritance tax planning
To find out more about me, my experience and qualifications click here
Contact Andy
Andy is very approachable and explained everything in a very down-to-earth way that was easy to understand.
Protect your business. Protect you income and family.
Address
Sterling & Law – Croydon
Ashton Court
94 Chatsworth Road
Croydon
CR0 1HB