Understanding Pension Withdrawls: A guide to Smoother Access
September 15, 2025
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4 Minute Read
How to Ensure a Timely and Efficient Pension Withdrawal.
Is Your Business Protected?
Running your own business may leave you little time to consider your financial future but what would you do if a partner or key employee became critically ill or died? Could your business continue?
In most small to medium enterprises there are usually a number of individuals who are key to driving Profits, Performance, Technology or Sales… this could be you?
If the worst should happen and your business is not fully protected this can have a severe impact on your profits. In addition, replacing the individuals’ skills or finding a suitable replacement can take time which may further impact on profitability.
UK Market Overview (2025)
Business Protection Insurance is a form of life insurance designed to safeguard a company against the loss of key personnel due to death, terminal illness, or critical illness.
What It Covers
- Key Person Insurance: Protects against the loss of a vital employee.
- Shareholder Protection: Ensures business continuity by enabling surviving shareholders to buy out the deceased’s shares.
- Loan Protection: Helps repay business loans if a guarantor dies or becomes critically ill.
Why It Matters
- According to Drewberry’s 2025 guide, 6 out of 10 businesses would cease trading within 12 months of losing a key person [7].
- It helps maintain operations, repay debts, and cover recruitment costs during crises.
How It Works
- Policies pay a cash lump sum to the business upon a claim.
- Coverage can be tailored to specific roles and financial exposures.
- Premiums vary based on age, health, role, and coverage level.
Looking for more information?
Why not check out our other articles?
Welcome to your Adviser Zone
January 14, 2026
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Welcome to your Adviser Zone. Your new hub for all things Stirling House Financial Services.
Unmarried Couples: What You Should Know About Tax Breaks and Inheritance Rights
August 28, 2025
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3 Minute Read
If you and your partner are living together but aren’t married, you might be wondering about the financial perks and protections you’re missing out on. Over time, many have asked: Should cohabiting couples have the same rights as married couples, especially when it comes to taxes and inheritance?
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