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Pensions & Investments 

If you are thinking of reviewing your existing arrangements or setting up new or reviewing old frozen *pension, *investment plans then we can help you with this. We have an existing arrangement with a firm of specialists who provide expertise in this area along with an excellent service. We are therefore happy to recommend them to you and they can arrange to discuss your needs at your convenience. We are confident you will find their dedication to service as comprehensive as ours. 
 
* Wills, Pensions & Investments are referred to a 3rd party. Vikki Marie Houldcroft t/aVMH Financial & PRIMIS Pensions & Investments are not responsible for any advice received from the 3rd party. 
 
Vikki Marie Houldcroft t/a VMH Financial is an Appointed Representative of PRIMIS Pensions & Investments which is authorised and regulated by the Financial Conduct Authority. 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Trusts Why do I need business protection? Business Protection is about protecting you and its people and falls into four areas. 

Key Man Insurance 

Keyman Insurance is a life insurance policy, which can have critical illness added. It is written on the life of a key business employee, but it is owned by the business. If something should happen to that person, the policy is paid out directly to the business, or this reason the business pays the premiums. 

Relevant Life Policy 

A Relevant Life Policy is similar to a life insurance or a death in service benefit policy. Basically should an individual pass away during the length of the policy, a lump sum could be paid to their family or dependents. One of the main differences between the two policies is that a Relevant Life policy is more tax efficient (under current legislation tax year 2018/2019), as well as being a major incentive or benefit for employment staff members. 
 
A Relevant Life Plan is paid for by the business or company but covers the individuals they employ. This means that not only does the company offer this as an employee benefit but also it is also considered a legitimate business expense. 

Shareholder Protection 

Shareholder Protection is a type of insurance policy which secures the organisation itself and its shareholders against the death or major illness of a proprietor or shareholder. 
 
If a shareholder or company owner should fall ill with a terminal or critical illness, or should die, Shareholder Protection could protect the other shareholders by issuing a lump sum to them. This payment could be used to protect the other shareholders and allow them to acquire the shares left and to ensure that the smooth running of the business continues. 
 
Without some form of protection in place the shares or business could pass on to outside persons who have not previously been involved in the running of the company, such as family members. This could in turn affect the stability of the company and leave the remaining shareholders with a minority control over their own company. 
 
In addition to providing protection for the remaining shareholders or business owners Shareholder Protection can also ensure that the family members of the deceased or critically ill shareholder can be provided for financially. The lump sum from the policy should be able to cover the cost of purchasing the shares from said family members ensuring they are able to gain access to the funds with no immediate problems. 
 
Shareholder Protection Policies are available to all shareholders within an organisation so each individual can ensure their investment is secured in any event. 

Loan Protection Cover 

When a business borrows money from a bank or other financial institution, it is common that they will want some form of life cover or possibly critical illness cover to repay all or some of that loan on death or serious illness. It could also be that the business owners have lent money to their own business. These are called Director’s or Partner’s loan accounts and also need to be repaid on death. 

 So how can we help? 

Contact us today on 01782 705869 or 07747027609 for a free consultation. 
 
 
 
 
 
 
 
 
 
 
 
 
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