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Services

Business Protection

What is shareholder protection?

It’s one plan, that secures the company assets and adds stability to the business.

Stakeholder Confidence

Having a shareholder protection in place demonstrates to stakeholders, such as investors, creditors, and clients, that the company is proactive in managing potential risks. This can help to maintain their confidence in the company’s ability to navigate unforeseen challenges and contribute to the overall stability of the business.

Succession Planning

In the event of the death or disability of a shareholder, the other shareholders may face challenges in finding a suitable successor. Shareholder protection provides the financial means to recruit, hire, and train a qualified replacement, ensuring the business’s continuity and preserving the value of the owner’s and shareholders’ stakes in the company.

Buy-Sell Agreements

Shareholder protection can be used to fund buy-sell agreements if a shareholder passes away. The insurance payout can be used to purchase the deceased’s shares from their estate, allowing the remaining owners and shareholders to maintain control of the business and prevent any potential disruption caused by the sudden change in ownership.

Loan Guarantees

Business owners and shareholders may have provided personal guarantees for loans taken by the company. The death or disability of a shareholder could lead to financial instability and an increased risk of defaulting on these loans. Shareholder protection provides the necessary funds to repay or manage such loans, preventing the owner and shareholders from facing personal financial consequences and protecting their credit ratings. The financial consequences in the Middle East can be severe and include a loss of passport until such time the business loan can be repaid.

Gratuity Benefits

A shareholder protection policy with a cash value can strategically be used to provide a gratuity payment to key employees. The policy can be strategically designed to act as a Key Person policy whilst the business and other shareholders need the protection of a high cash value payout. Upon the sale of the business or exit of the Key Person, the accumulated cash value of the policy can be distributed in the form of a gratuity. The company and Key Employee both benefit from knowing the company has the necessary funds to meet their end-of-service benefit obligations while also providing valuable life insurance coverage to their employees.

One plan for all. Avoid risk and draw benefits from a tailor-made solution that suits your company and circumstances.

It’s one plan, that secures the company assets and adds stability to the business.

Stakeholder Confidence

Having a shareholder protection in place demonstrates to stakeholders, such as investors, creditors, and clients, that the company is proactive in managing potential risks. This can help to maintain their confidence in the company’s ability to navigate unforeseen challenges and contribute to the overall stability of the business.

Succession Planning

In the event of the death or disability of a shareholder, the other shareholders may face challenges in finding a suitable successor. Shareholder protection provides the financial means to recruit, hire, and train a qualified replacement, ensuring the business’s continuity and preserving the value of the owner’s and shareholders’ stakes in the company.

Buy-Sell Agreements

Shareholder protection can be used to fund buy-sell agreements if a shareholder passes away. The insurance payout can be used to purchase the deceased’s shares from their estate, allowing the remaining owners and shareholders to maintain control of the business and prevent any potential disruption caused by the sudden change in ownership.

Loan Guarantees

Business owners and shareholders may have provided personal guarantees for loans taken by the company. The death or disability of a shareholder could lead to financial instability and an increased risk of defaulting on these loans. Shareholder protection provides the necessary funds to repay or manage such loans, preventing the owner and shareholders from facing personal financial consequences and protecting their credit ratings. The financial consequences in the Middle East can be severe and include a loss of passport until such time the business loan can be repaid.

Gratuity Benefits

A shareholder protection policy with a cash value can strategically be used to provide a gratuity payment to key employees. The policy can be strategically designed to act as a Key Person policy whilst the business and other shareholders need the protection of a high cash value payout. Upon the sale of the business or exit of the Key Person, the accumulated cash value of the policy can be distributed in the form of a gratuity. The company and Key Employee both benefit from knowing the company has the necessary funds to meet their end-of-service benefit obligations while also providing valuable life insurance coverage to their employees.

One plan for all. Avoid risk and draw benefits from a tailor-made solution that suits your company and circumstances.

Questions and Answers

•Is the investment secure?
Yes, a “worst case scenario” will be provided from the beginning showing exactly what will happen if it doesn’t generate any money at all.
• How can they guarantee income for life?
Having an investment pot of over $500M they invest in a variety of different assets, such as bonds, shares, property, ETF’s etc. to guarantee the 5% annual payout.
•How well-known are the companies behind?
Manulife is the 8th and Sunlife the 10th largest insurance company in the world both worth over $1 trillion.
•Why do we have to go through you and not directly?
Both companies don’t take direct business. It has been outsourced to Tier 1 – 3 companies around the world who are the only ones allowed to sell their products.
•Whom do I contact if I’ve a claim?
You can either go through me or directly, whatever suits you the best.
•What if I can’t afford the annual investments?
Both companies are very flexible and will always be able to come up with some kind of solution.
•What happens if I fail the medical?

At the medical, the underwriters will go through your case and you might get rated, which means the investment amounts go up.

Questions and Answers

•Is the investment secure?
Yes, a “worst case scenario” will be provided from the beginning showing exactly what will happen if it doesn’t generate any money at all.
• How can they guarantee income for life?
Having an investment pot of over $500M they invest in a variety of different assets, such as bonds, shares, property, ETF’s etc. to guarantee the 5% annual payout.
•How well-known are the companies behind?
Manulife is the 8th and Sunlife the 10th largest insurance company in the world both worth over $1 trillion.
•Why do we have to go through you and not directly?
Both companies don’t take direct business. It has been outsourced to Tier 1 – 3 companies around the world who are the only ones allowed to sell their products.
•Whom do I contact if I’ve a claim?
You can either go through me or directly, whatever suits you the best.
•What if I can’t afford the annual investments?
Both companies are very flexible and will always be able to come up with some kind of solution.
•What happens if I fail the medical?

At the medical, the underwriters will go through your case and you might get rated, which means the investment amounts go up.

Still have some questions?

If you cannot find the answer to your question, you can always get in touch with me through the contact form below.

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