You built the business.
Now protect everything that depends on it.
Our first step is to understand your specific mortgage needs and financial situation. We take the time to discuss your goals, whether you’re purchasing your first home, moving to a new property, or looking to refinance an existing mortgage. This helps us recommend the most suitable mortgage options for you. As independent financial advisers with access to the whole of the market, we pride ourselves on our friendly and professional approach, ensuring you feel supported every step of the way.
82%
of UK SME owners have no formal shareholder protection in place, leaving their business and families exposed if a partner dies
£0
is what many founder families recieve from the business they helped build, because the right structures weren’t in place. Shareholder agreements and protection policies change everything.
100%
of qualifying premiums can be paid as a company business expense – meaning your protection costs less than you think.
The Founder & Family Protection Suite
Founder & Family is a specialist advisory service helping UK Founders, directors and business ownders structure life, health, and business protection, personally and through their company, so nothing is left to chance.
Founder Life Assurance
Personal life cover structured specifically around a founder’s needs — ensuring your family receives a meaningful lump sum, free from business complications, should you die.
Critical Illness Cover
A cash lump sum paid on diagnosis of a specified serious condition — giving you and your family time and financial space to focus on recovery, not revenue.
Key Person Insurance
Protects the business against the financial impact of losing a key individual covering lost profits, recruitment costs, and the time it takes to rebuild.
Shareholders Protection
Ensures surviving business partners can buy the shares of a deceased or critically ill shareholder at a pre-agreed fair value – retaining control without a dispute or distressed sale.
Income Protection
If illness or injury prevents you from working, income protection pays a monthly benefit to replace lost earnings – typically for founders who draw salary or dividends.
Pensions & Investments
Company pension contributions, SIPP structuring, and investment strategies that make your business work harder for your long-term financial independence.
The best time to put this in place was the day you incorporated. The second best time is now.
A no obligation discovery call to understand when you’re exposed and what a comprehensive founder and family plan would look like for you.
Tax Efficiency
Your company pays. Everyone Benefits.
One of the most overlooked advantages available to founders and directors is the ability to structure protection products as legitimate company expenses — reducing your corporation tax bill while building comprehensive cover for you, your family, and your business.
We work closely with your accountant to ensure every policy is correctly structured, properly documented, and optimally tax-efficient from day one.
A company-paid life assurance policy written in trust for the benefit of the employee’s family. Premiums are a business expense, the benefit is free of income tax and inheritance tax, and the policy does not count towards annual pension allowances. Ideal for founder-directors.
Key person insurance premiums are typically fully deductible against corporation tax when covering a director or key employee, subject to HMRC criteria.
Moving to a new home is an exciting time, but it comes with its own set of challenges. We simplify the process by helping you secure a mortgage that fits your needs, ensuring a smooth transition from your current home to your new one.
Shareholder Protection is typically held personally, written in trust — ensuring the payout reaches the right hands immediately, outside the estate.
Relevant Life Policies allow companies to provide death-in-service life cover to directors tax-efficiently — outside of a group scheme, with no P11D implications.
Ongoing Protection Support
Protection planning is not a one-time process. Our advisers provide ongoing support to ensure that your protection plan remain suitable for your needs. We regularly review your protection plan and make adjustments as needed to accommodate changes in your circumstances or goals. Our commitment is to help you maintain financial security and peace of mind.
