Protection that keeps your clients in business

With our Business Menu Plan you have the flexibility to mix and match a range of covers that suit your client’s business needs. You can cover business loans or protect against the loss of a key person, partner, member or shareholding director.

You know what keeps the UK’s millions of small- to medium-sized businesses up and running?

It’s the people…

…and copious amounts of tea and coffee, of course.

As a financial adviser, it’s my job to help these businesses to thrive, and to look out for their owners, like senior partner Linda here…

But what if something nasty happened to Linda?

’It would be devastating.’

But without Business Protection, things could be even worse for both the business and Linda’s family.

Imagine this coffee represents all the company cash.

The business would need to pay out a share of the company to Linda’s family, which could be…

…very expensive.

‘But, without any agreement in place, Linda’s family might not get a fair price either.

There may be director’s loans to be repaid. As well as all kinds of other things to take care of.

So now the business has a cash problem.

And borrowing from the usual places, may no longer be possible.


…when you have Business Protection, you can help make sure your family are protected, your business partners are protected, your outstanding debt is protected, your shareholders are protected, and your key employees are protected.

So, with Business Protection, you can get an agreement in place, just like a will, to make absolutely


… you’re in safe hands.

Speak to your financial adviser today to find out more. If you don’t have one already, you can find one in your area by visiting

Our range of covers:

Benefits of our Business Menu Plan

  • Choice - you can mix and match up to 10 covers within the same plan, for example provide Life Cover and Critical Illness Cover for a number of shareholders or owners within the same business.
  • Flexibility - you can alter the cover, should something change in the future - which is more likely in a business than it is with a family (this could be a key employee leaving or retiring through ill health, or the company taking on a loan to help with expansion plans).
  • Free cover - when your clients apply for business protection and their plan doesn't start straight away, we provide your clients with temporary cover - so they're protected even before their plan starts.
  • A Helping Hand - all our Business Menu Plans come with Helping Hand - a comprehensive support service that'll support your clients and their close family whenever they need it. It's available to use once the plan starts and there's no extra cost to use it.
  • Less paperwork - with a menu plan, the business protection is provided under one plan with one application and one direct debit so less administration for you and your client.
  • One plan fee - have up to 10 covers under the same plan but pay just one plan fee of £2.60

More benefits of using us for business protection

  • Tools to help you - we've a range of tools to help you sell business protection, from our handy business protection planner to the popular pre-sale underwriting tool. There's also the CPD hub to help you meet the requirements of the Insurance Distribution Directive (IDD).
  • Business Development support - we've a team of experienced corporate protection specialists, who can work with you to provide training and sales development support.
  • Tax and trusts - we also have a wide range of trust literature including guides, trust forms and supplementary support such as cross option agreements. There's also our team of tax and trust specialists who can help with these types of questions and situations when they relate to business protection.

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.