Quite often you hear 'it could never happen to me' or 'I'll sort it out later'. Well the old maxim of "failing to plan is planning to fail" is no better suited to the ignoring of crucial decisions on protection.

This type of cover provides a lump sum that can be used to pay for the cost of finding and training a successor in the event of the unexpected critical illness, disability or death of an employee that is integral to the business' future profitability and existence. It can also pay out for reduced profitability.

The quality of cover and the illnesses covered can vary significantly between different providers. We can help you find the plan that best meets your requirements.