Do you depend heavily on the skills and judgements of others within your business?  Are these people vital to its effectiveness and profitability?  If so, have you considered the financial impact that the death or critical illness of such a key person would have on your business?

The impact could be:

- A loss of profit

- An interruption to cash flow

- An inability to make loan repayments

- A change in shareholder control.

In some instances, the financial impact could be so great, that the business is unable to continue.

Business Protection allows you to put in place cover that would ensure that funds become available, should a key person in your business become critically ill or die.