Your business protection toolkit
For financial advisers only
At a time when many businesses are struggling to survive, continuity and succession planning may not be high on the priority list.
But have your business-owner clients considered how they'd cope financially if they lost a key employee? What might the implications be if one of the business owners died or suffered a critical illness?
While clients may be aware of the need to protect their business, they need your advice to identify the right solutions.
Our Guide to business protection can help you develop opportunities, as well as learn more about business protection and how to advise on it. Don't forget to visit the Vault - your one-stop-shop for all the support material you'll need to help you in the business protection market.
News and views
Whether your client's business is a limited company or a partnership, our interactive flowcharts walk you through the steps you need to think about when setting up a shareholder or partnership protection arrangement.
We offer both Relevant Life and executive income protection - helping you design competitive employee benefits packages for your small corporate clients, with only one online application to be underwritten.
It’s even quicker to get your clients’ Relevant Life cover in place, with our signature-free Relevant Life trust.
Vault
- Guide to business protection (PDF)
- Guide to developing professional connections (PDF)
- Continuity and succession planning for your business (PDF)
- Sample business protection factfind (DOC)
Pre-approach material
- Sample letter from adviser to solicitor or accountant (DOC)
- Sample flyer from solicitor or accountant to client (DOC)
Videos
- Why do businesses need business protection? (Video)
See the devastating impact the death of a business partner can have on a business – and the family that’s left behind – when no business protection plans have been made.
- Guide to business protection (PDF)
- Continuity and succession planning for your business (PDF)
- Business continuity and succession planning forms (PDF)
- Liability audit (PDF)
- Business protection menu (PDF)
- Immediate cover facility for Business Protection and Relevant Life (PDF)
- Key person income protection at a glance (PDF)
- Taxation of key person policies (PDF)
- Sample board minutes (DOC)
- Claims paid infographic (PDF)
- Protection Price Pledge (PDF)
- Policy Plus - helping your clients move forward (PDF)
Calculators
Videos
- Why do businesses need business protection? (Video)
See the devastating impact the death of a business partner can have on a business – and the family that’s left behind – when no business protection plans have been made. - Key person replacement service (Video)
Find out how our key person replacement service can provide help and support for our Business Protection customers.
- Guide to business protection (PDF)
- Business protection menu (PDF)
- Business succession planning arrangements
- Continuity and succession planning for your business (PDF)
- Business continuity and succession planning forms (PDF)
- Business intestacy audit (PDF)
- Business property relief sales aid (PDF)
- Immediate cover facility for Business Protection and Relevant Life (PDF)
- Equalisation of policy payments (PDF)
- Sample single option agreement (DOC)
- Sample double option agreement (DOC)
- Business trust - new policies only (PDF)
- Personal Protection – Flexible trust deed (PDF)
- Deed of appointment of beneficiaries by trustees (PDF)
- Deed of appointment of additional trustees (PDF)
- Trustees' responsibilities (PDF)
- Own life policy held under a business trust (PDF)
- Partnership protection – the automatic accrual method (PDF)
- Shareholder protection – Companies Act 2006 (PDF)
- Shareholder protection – an unquoted company buying its own shares (PDF)
- Claims paid infographic (PDF)
- Protection Price Pledge (PDF)
- Policy Plus - helping your clients to move forward (PDF)
Calculators
Videos
- Why do businesses need business protection? (Video)
See the devastating impact the death of a business partner can have on a business – and the family that’s left behind – when no business protection plans have been made.
- Guide to business protection (PDF)
- Business protection menu (PDF)
- Tax-efficient protection planning for the small business (PDF)
- Policy Plus support services (PDF)
- Policy Plus – helping your clients to move forward (PDF)
- Protection Price Pledge (PDF)
- Illness and disability claims guide (PDF)
Relevant Life
- Relevant Life - should the company be a corporate trustee? (PDF)
- Trustees' responsibilities (PDF)
- Declaration of trust for a Relevant Life policy (PDF)
- Your guide to our Relevant Life trust (PDF)
- Relevant Life signature-free trust terms and powers (PDF)
- Relevant Life at a glance (PDF)
- Relevant Life pre-approach letter (DOC)
- Relevant life tax advantages (PDF)
- Relevant Life calculator
- Immediate cover facility for Business Protection and Relevant Life (PDF)
Executive income protection
Videos
- Health and wellbeing service
Find out how our health and wellbeing service can support our protection customers and their immediate families. - Second medical opinion service
Our second medical opinion service is available to all our protection customers – offering a confidential face-to-face consultation with a UK-based specialist.
- Guide to business protection (PDF)
- Underwriting limits guide (PDF)
- Occupation database (XLS)
- Guide to our critical illness definitions (PDF)
- Pre-submission underwriting questionnaire (PDF)
- Business protection financial questionnaire (PDF)
- Key person income protection questionnaire (PDF)
- Claims paid infographic (PDF)
- Illness and disability claims guide (PDF)
- Business protection menu (PDF)
- Application form - Business Protection (PDF)
- Business Protection and Relevant Life data capture form (PDF)
- Key features of Business Protection (PDF)
- Business protection financial questionnaire (PDF)
- Key person income protection questionnaire (PDF)
- Policy conditions - Business Protection (PDF)
- Product oversight and governance - Business Protection (PDF)
- Key features of the Relevant Life policy (PDF)
- Policy conditions - Relevant Life (PDF)
- Product oversight and governance - Relevant Life (PDF)
- General practitioner's report consent declaration (PDF)
- Policy Plus - helping your clients move forward (PDF)
- Linking your Aegon agency with the Protection Platform (PDF)