Our Approach

Business Protection

"Most businesses understand the need to manage the risks they face every day. They insure their premises, equipment and stock against fire, flood and theft. They insure their vehicles. But many don't stop to think what would happen if they lost their most important asset – their people."

Every business has key people who are driving it forward. Many businesses recognise the need to insure their company property, equipment and fixed assets. However, they continually overlook their most important assets, the people who drive the business – a key employee, director or shareholder.

Key person insurance is designed to compensate a business for the financial loss brought about by the death or critical illness of a key employee, such as a company director. It can provide a valuable cash injection to the business to aid a potential loss of turnover and provide funds to replace the key person.

Share and partnership protection provides an agreement between shareholding directors or partners in a business, supported by life assurance to ensure that there are sufficient funds for the survivor to purchase the shares. It is designed to ensure that the control of the business is retained by the remaining partners or directors but the value of the deceased's interest in the business is passed to their chosen beneficiaries in the most tax-efficient manner possible.

If a shareholding director or partner were to die, the implications for your business could be very serious indeed. Not only would you lose their experience and expertise, but consider, too, what might happen to their shares... Click Here to read further and to download 'A Guide to Protection Planning'.

Contact Us: As part of our service, we also take the time to understand our business client's unique needs and circumstances, so that we can provide them with the most suitable protection solutions in the most cost effective way. If you would like to discuss the range of protection services we offer, please contact us for further information.

Life Assurance

"Providing a financial safety net
for your loved ones."


Protection Insurance

"How would you pay the bills if you were
sick or injured and couldn't work?"


Long Term Care

"Keeping pace with the
growing size of an ageing


Get in touch

CFS Independent Financial Advisers Limited
Lower Blyth Suite, Kirkley Hall, Ponteland, Newcastle upon Tyne, NE20 0AQ

Telephone: 01661 821110
Fax: 01661 821120
Email: enquiries@cfs-ifa.co.uk



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