The lead instrument
The Business Owner's 10-Point Protection Audit
Ten questions. Instant score. Every gap in your business protection, in black and white.
Most owners have never stress-tested their business against the events most likely to break it. Answer honestly — yes only if it's in place, funded, and current. Most owners score between 3 and 6 on their first attempt. The gaps are rarely obvious. That is exactly the point.
Free. No obligation. Two minutes.
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The Business
01Key-person coverFunded cover exists that replaces the revenue that person drives while the business rebuilds.
02Buy-sell agreementA signed buy-sell agreement with funding behind it, so shares change hands at a fair price by design, not by default.
03Business loans & personal guaranteesIf you died tomorrow, every business loan and guarantee would be settled without touching family assets.
04Employee benefitsStructured group coverage — medical at minimum — that your team would think twice about walking away from.
The Owner
05Income protectionIf you couldn't work for a year, money would still arrive every month.
06Medical & critical illness coverA serious diagnosis would be paid for without draining the company or your personal savings.
07Family income protectionIf you died tomorrow, your family's lifestyle would be funded — separate from the business and its debts.
The Legacy
08Retirement income streamAn income stream is being built now, outside the business, that you can switch on at semi-retirement — on your timeline, not a buyer's.
09Legacy & asset equalisationStructures are in place — universal-life cover is the usual instrument — so family outside the business receive equal value without splitting the company.
10Retained earnings deploymentYour retained earnings have a defined job: growing outside the business, or funding retention plans your key people keep only by staying the agreed term.