Common Shareholder Protection questions.

Common Shareholder Protection questions.

Please contact us to discuss your Shareholder Protection requirements

Please contact us to discuss your Shareholder Protection requirements

Simply enter your details below for us to help you.

By submitting  information through this website, you have given your agreement to receive verbal contact from us to discuss your requirements. You voluntarily choose to provide personal details to us via this website. 

Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

Simply enter your details below for us to help you.

By submitting  information through this website, you have given your agreement to receive verbal contact from us to discuss your requirements. You voluntarily choose to provide personal details to us via this website. 

Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018.  You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.

By submitting this data, I am consenting to the use of my data in line with our  Privacy Policy

By submitting this data, I am consenting to the use of my data in line with our  Privacy Policy

What if a Shareholder suffers a critical illness?

What if a Shareholder suffers a critical illness?

In the event of a Shareholder suffering a critical illness, an agreement can be put into place, whereby the Shareholder sells their share to the remaining business owners.

In the event of a Shareholder suffering a critical illness, an agreement can be put into place, whereby the Shareholder sells their share to the remaining business owners.

How are minority shareholders protected?

How are minority shareholders protected?

Each shareholder can take out separate cover for themselves, with a sum assured equivalent to the value of their company shares. 

Each shareholder can take out separate cover for themselves, with a sum assured equivalent to the value of their company shares. 

Why is Keyman Insurance Important?

Why is Keyman Insurance Important?

Keyman Insurance is important as it provides financial stability in the event of the death or long-term illness of a key person.

Keyman Insurance is important as it provides financial stability in the event of the death or long-term illness of a key person.

In the event of a Key Person claim, how would the insurance claim be paid?

In the event of a Key Person claim, how would the insurance claim be paid?

The claim will be paid out as a lump sum.

The claim will be paid out as a lump sum.

Can we receive Key Person Insurance as an income, instead of a lump sum?

Can we receive Key Person Insurance as an income, instead of a lump sum?

It is possible for Key Person Insurance claim to be paid out monthly, by opting for Key Person Income Protection. We recommend that you seek professional advice to guide you.

It is possible for Key Person Insurance claim to be paid out monthly, by opting for Key Person Income Protection. We recommend that you seek professional advice to guide you.

Being sold to a third party

Being sold to a third party

Needing to raise funds quickly

Needing to raise funds quickly

Loss of control of business

Loss of control of business

Widowed Spouse Involvement

Widowed Spouse Involvement

The Shareholder Protection Process

The Shareholder Protection Process

Working with HB Partners

Working with HB Partners

1

1

2

2

An informal introductory conversation

An informal introductory conversation

Your protection experts will work with you to work with you to understand your Protection requirements. We will then take you through the options available.

Your protection experts will work with you to work with you to understand your Protection requirements. We will then take you through the options available.

We will research the market for the ideal Protection product for your circumstances.

We will research the market for the ideal Protection product for your circumstances.

Our Expert Recommendation

Our Expert Recommendation

3

3

4

4

The right Shareholder Protection for you

The right Shareholder Protection for you

Our experts will calculate the amount of cover required, then compare the providers offering the relevant Protection products for your needs. We will then discuss the options with you.

Our experts will calculate the amount of cover required, then compare the providers offering the relevant Protection products for your needs. We will then discuss the options with you.

With your agreement, we will then proceed with an application. We will manage all paperwork and update you at every stage of the process, until completion.

With your agreement, we will then proceed with an application. We will manage all paperwork and update you at every stage of the process, until completion.

Full Application

Full Application

If a business partner or shareholder dies without any Protection provision in place, then their share of the business will likely pass to their estate. This could prove problematic for the business, leaving it open to 

If a business partner or shareholder dies without any Protection provision in place, then their share of the business will likely pass to their estate. This could prove problematic for the business, leaving it open to 

What is 3 + 5 =

What is 3 + 5 =

Meet the Team

Meet the Team

WHAT IS SHAREHOLDER PROTECTION?

WHAT IS SHAREHOLDER PROTECTION?

A Shareholder Protection policy provides funds for company owners to purchase the equity of a deceased shareholder, with a suitable trust and a cross option agreement.

A Shareholder Protection policy provides funds for company owners to purchase the equity of a deceased shareholder, with a suitable trust and a cross option agreement.

HOW DO YOU VALUE A COMPANY FOR SHAREHOLDER PROTECTION?

HOW DO YOU VALUE A COMPANY FOR SHAREHOLDER PROTECTION?

Normally this would be as a multiple of the net profit of the company, basing the Shareholder Protection Insurance cover on your proportion of the total company shareholding. 

Normally this would be as a multiple of the net profit of the company, basing the Shareholder Protection Insurance cover on your proportion of the total company shareholding. 

IS SHAREHOLDER PROTECTION INSURANCE TAX DEDUCTIBLE?

IS SHAREHOLDER PROTECTION INSURANCE TAX DEDUCTIBLE?

The premiums for the shareholder policies are usually paid by each shareholder on their own life, so this means that the insurance is not tax-deductible. 

The premiums for the shareholder policies are usually paid by each shareholder on their own life, so this means that the insurance is not tax-deductible. 

WHAT IS A CROSS OPTION AGREEMENT?

WHAT IS A CROSS OPTION AGREEMENT?

This is an agreement entered into by all shareholders to grant each other put and call options over the shares. This helps the sale of a shareholder’s share upon their death. 

This is an agreement entered into by all shareholders to grant each other put and call options over the shares. This helps the sale of a shareholder’s share upon their death. 

We work with the UK's leading insurance providers, helping you to protect yourself, your loved ones, and your business.

We work with the UK's leading insurance providers, helping you to protect yourself, your loved ones, and your business.

Frequently Asked Questions

Frequently Asked Questions

If you have a specific question, click the button below, and we will do our best to answer this for you.

If you have a specific question, click the button below, and we will do our best to answer this for you.

Why use us?

Why use us?

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

We are qualified to advise you on your equity release requirements.

We are qualified to advise you on your equity release requirements.

Related to Shareholder Protection

Related to Shareholder Protection

What our clients say

What our clients say

Mark Culham 

Adviser & Co-Founder

Mark Culham 

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

This site uses cookies to enhance your user experience. By continuing to use this site you are giving your consent for us to set cookies. Privacy Policy

This site uses cookies to enhance your user experience. By continuing to use this site you are giving your consent for us to set cookies. Privacy Policy