Key Man Insurance Specialists

Key man insurance or key person insurance is essentially about protecting your company from the financial problems incurred from losing a key employee through death or critical illness. Key man insurance is taken out on a person within the company. The company owns the policy and pays for the policy, but the life assured is the key person. Any company that relies heavily on the people within the business should probably have some kind of key man insurance in place. Maybe the key person is a sales manager or director. Maybe he or she is the person with all the contacts or the IT specialist running your website. How would your company survive without that person? What if they died tomorrow? Would your business still run if that person was no longer there? If you have a key person in the company then they should be insured. Key person insurance can be taken out with a lump sum benefit paid on death or critical illness, or as a key person income protection which will pay out a monthly income to the company in the event of illness or injury. You can read more about key person insurance here or check out our key man insurance FAQ here.          
Why Choose Us?
  • Whole of market brokers able to compare all top UK brands - This means we can give you the best quote.
  • You deal with us directly  - We do not sell your information on as a lead like the others.
  • Accredited Specialists - Personal Touch Financial Services have accredited us as specialists in business protection due to our experience in the field.
  • Over 70 Million Pounds of business completed in 2013 - We have helped 100's of company arrange their business protection.
  • Discounted Quotes - We will not be beaten on price.
  • CeMAP Qualified Advisors - All our advisors are qualified and abide by the rules set by the Financial Conduct Authority.

Far too many companies throughout the UK do not have a key man insurance policy in place. These companies leave themselves totally open if something happens to one of their key workers. Many companies that go bankrupt or cease trading are down to losing an important person within the company either through death or critical illness. Although a company can have lots of people employed sometimes there are just those people who are more valuable than others. Employers are always quick to insure all their important equipment, machinery or company cars for example. But forget to insure the main cogs within the wheel, the people.

With any kind of  business protection the company pays the premiums on monthly or annual bases from the company bank account. The premiums are tax deductible as they are seen as a business cost. Any claim or benefit paid out as a result of a claim is also paid to the company. Key man insurance tax treatment varies a lot between different companies and we would always suggest you speak to a tax expert before taking out a policy.

So Why risk it? protect your business today and get a quote for key man insurance. You can speak to one of our qualified advisors or fill in your details in quote form. If you would like to read more on business protection and the latest news make sure you check out our blog.

Information regards to taxation levels and basis of reliefs are dependent on current legislation. Individual circumstances are not guaranteed and may be subject to change. The Financial Conduct Authority do not regulate trusts.

Key man insurance specialists. Whole of market brokers for business protection.
1 Nelson Street
Southend On Sea
Phone: 02071128844
Our years of experience along with whole of market access put us above anyone else when it comes to business protection. We aspire to be the best at what we do, giving our customers sound advice and an excellent service
Jody Pearmain
Director -