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You searched for the term business protection Your search returned the following 40 results...
 
  • Business protection calculator - Royal London for advisers

    Business protection calculator This calculator will help you to decide on an appropriate amount of cover for a key person. There are many ways of arriving at the value of a key person, and each situation has to be viewed individually. You should consider the effect of the loss of the key person...

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    Calculators

  • Business protection – Loan protection - Royal London for advisers

    Business protection – Loan protection If you’re advising corporate clients on business protection, you’ll find this article particularly helpful. We look at the technical aspects of loan protection. Key facts Will not meet the 'wholly and exclusively' test No tax relief on premiums The plan...

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    Business

    Key Person Cover

    Loan protection

  • Business protection - Shareholder protection – Wills - Royal London for advisers

    Business protection - Shareholder protection – Wills All shareholders involved in shareholder protection arrangements should write wills to make sure their intended beneficiaries get the proceeds without any intestacy delays. Key facts All shareholders involved in shareholder protection arrangement...

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    Business

    Key Person Cover

    Loan protection

  • Business protection – Companies – Tax implications - Royal London for advisers

    Business protection – Companies – Tax implications There’s no specific provision in the tax legislation that guarantees corporation tax relief for the company. Instead, principles for the tax treatment were set out back in 1944 by the then Chancellor of the Exchequer, Sir John Anderson. Key facts...

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    Business

    Key Person Cover

    Loan protection

  • Business protection – Companies - Key person protection - Royal London for advisers

    ...they want to sell to a third party? What would the remaining shareholders want? Having adequate business protection in place could help resolve these issues. The payout from a business protection plan could enable the company to continue trading, replace key people or protect corporate debt. Alternatively...

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    Business

    Key Person Cover

    Loan protection

  • Business protection - Partnership and membership protection – tax implications - Royal London for advisers

    Business protection - Partnership and membership protection – tax implications Do you know what the tax implications are for partnership and membership protection? In this article we discuss the tax relief, tax liability and the uses of a discretionary trust. Key facts Premiums will be paid...

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    Business

    Key Person Cover

    Loan protection

  • Business protection - Partnerships, LLPs and sole traders - Introduction - Royal London for advisers

    Business protection - Partnerships, LLPs and sole traders - Introduction People are critical in small businesses. If an owner or key employee dies or falls ill, the impact on the business can be huge. Key facts People are critical in small businesses. Business protection lets owners plan...

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    Business

    Key Person Cover

    Loan protection

  • Business protection - Partnerships, LLPs and sole traders - Key person protection - Royal London for advisers

    Business protection - Partnerships, LLPs and sole traders - Key person protection Is there a need for key person protection? And more importantly how do make your clients aware how important it is for their business. Key facts Business protection is an insurance contract that helps protect...

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    Business

    Key Person Cover

    Loan protection

  • Business protection - Shareholder protection – Company buyback of own shares - Royal London for advisers

    Business protection - Shareholder protection – Company buyback of own shares A company buyback of shares is a popular route for shareholder exits. What are the legal and tax implications? Key facts Requires company owned plans on the lives of the shareholders.  Premiums should be non-allowable...

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    Business

    Key Person Cover

    Loan protection

  • Approach letters (business) - Royal London for advisers

    Approach letters (business) Download our approach letters for business protection. Letter for HM Customs The need for business protection Business will (limited companies) Business will (partnerships) How exposed is your business borrowing? Loan cover - cut the cost Last updated: 19 Oct 2017...

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    Approach letters

  • Business protection decision tree - Royal London for advisers

    Business protection decision tree This tool will give you possible business protection solutions based on a client's business structure and the purpose of the cover. What is the business structure? What is the purpose of cover? What is the purpose of cover? Click on an answer below 1 Sole trader 1...

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    Calculators

  • Business protection - Partnership and membership protection - Royal London for advisers

    Business protection - Partnership and membership protection What is the best way to set up partnership and membership protection? In this article we look at the pros and cons to each of the options. Key facts To be effective, a partnership or membership protection arrangement should consist...

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    Business

    Key Person Cover

    Loan protection

  • Business protection - Key person protection for Partnership, LLPs and Sole traders - Tax implications - Royal London for advisers

    ...to be insured? 1. The sole trader The sole trader is the business, so they need to protect the profits in the event of their death, critical illness or sickness. Given there’s no distinction between them and their business, cover for this purpose will be written as personal protection. If the cover...

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    Business

    Key Person Cover

    Loan protection

  • Business protection - Shareholder protection - Royal London for advisers

    Business protection - Shareholder protection The sudden loss of a key shareholder can disrupt a company, but shareholder protection will minimise this interruption to the business. Key facts If shareholders are in any doubt, a review of the company’s articles of association will highlight the need...

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    Business

    Key Person Cover

    Loan protection

  • Guide to business protection - Royal London for advisers

    A guide to business protection What is business protection and how can it be used to protect a business from the effects of a key person being diagnosed with a critical illness or dying. Key facts Business protection is an insurance contract that helps protect a business from the financial effects...

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    Business

  • Our terms of business [protection] - Royal London for advisers

    ...to offer competitive commission terms at all times. Our terms of business agreement is a contract between your business and Royal London. Our terms of business For full details download our protection terms of business If you want to do business with us or want to know more about the way we do...

  • Opportunities - Royal London for advisers

    Opportunities Most companies have a business continuity plan and take out insurance to help protect their assets from fire, theft and so on. However, they can often overlook the need to protect their most valuable assets – their people. Business protection can help to protect your client’s business...

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    Business

  • The business trust - Royal London for advisers

    The business trust We've designed the business trust specifically for use with a Royal London business protection plan (partner, member and shareholder protection) that’s being set up as an own life in trust arrangement. Get our literature Business trust form Looking ahead to the future...

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    Trusts

  • Use our protection tools - Royal London for advisers

    ...of protection for you to add to your own letterhead. Marketing studio Design your own objection handling sales aids with our unique and simple-to-use e-business tool.  Business protection planner Whether you’re familiar with business protection or just getting started, you'll find tools and tips...

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    Tools and support

  • Trust toolkit - Royal London for advisers

    ...to approach the nominated trustees to explain their role, which gives you the chance to speak to them about their own protection needs. Download 'approach letter' doc Download 'guide to being a trustee' PDF Trust toolkit for business protection What you’ll need for a business trust Use our Business trust...

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    Trusts

  • Diabetes Life Cover - Royal London for advisers

    ...with no additional medical evidence. Find out more Strengthen business protection Many businesses rely on high value employees that can't be easily replaced. Adding Life Cover for key people to a business protection plan can help the business cope with the loss of a key employee. And with our cover, you'll also get...

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    Diabetes life cover

  • Target Market Statements - Protection products - Royal London for advisers

    . Personal Menu Plan Personal Menu – Life Cover Personal Menu – Life or Critical Illness Cover Personal Menu – Critical Illness Cover Personal Menu – Income Protection Personal Menu – Waiver of Premium (sickness) Business Menu Plan Business Menu – Income Protection Business Menu – Waiver of Premium (sickness...

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    Personal

    Business

    Life Cover

    ...

  • Approach letters - Royal London for advisers

    protection. Business protection Approach letters for business protection. Relevant Life Approach letters for Relevant Life. Whole of life Download our approach letters for Whole of life. Diabetes Life Cover Approach letters for Diabetes Life Cover. Last updated: 18 Jun 2018...

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    Approach letters

  • Before your client meeting - Royal London for advisers

    ...the correct trust structure and form for your client. Pre-sale underwriting tool Use this tool to check things like BMI, family history, occupation, hazardous pursuits and a range of medical conditions. You'll get an accurate indicative decision for each cover type you choose. Business protection decision...

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    Tools

  • Our products - Royal London for advisers

    Our products Personal Menu Plan Put together a protection plan that suits your clients’ needs and budgets perfectly. Business Menu Plan We want to help you make the most of your business protection opportunities. Relevant Life Plan A tax-efficient way to protect your clients’ employees. Pegasus...

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    Personal protection

    Business protection

  • During your client meeting - Royal London for advisers

    During your client meeting Calculators you can use with your clients. During your meeting Affordability calculator Use this calculator to assess your client's monthly outgoings and recommend how much cover they should be getting. Business protection calculator This calculator is a checklist...

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    Tools and support

  • Service and support - frequently asked questions - Royal London for advisers

    Service and support - frequently asked questions Your questions answered 1. How do I submit business protection applications? You can quote and apply for our Business Menu Plan online 24 hours a day, 7 days a week. Paper applications can be sent to: Royal London, St. Andrew House, 1 Thistle Street...

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    Frequently asked questions

  • Our trusts - Royal London for advisers

    Our trusts Business trust Used for a business protection plan (partner, member and shareholder protection) that’s being set up as an own life in trust arrangement. Gift trust Used for family protection or inheritance tax (IHT) planning and helps to avoid probate delays. Relevant life trust Used...

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    Trusts

    Business protection

  • Key person protection – Shareholder protection - Tax implications - Royal London for advisers

    Business protection - Shareholder protection - Tax implications How can a business trust be used to help with tax planning? In this article we discuss the advantages in using a trust and how shareholder premiums can be equalised. Key facts A business trust is discretionary. The beneficiaries...

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    Business

    Key Person Cover

    Loan protection

  • How protection can save Christmas - Royal London for advisers

    business protection research shows that over half of all British SMEs don’t protect their businesses against the loss of a key employee - mainly through lack of awareness4. Key Person Income Protection covers this situation by providing a monthly income while the key employee is unavailable to work...

  • Life cover for life - Royal London for advisers

    , to helping cover their own funeral costs and making sure a business is protected against their death, there are many reasons why clients might choose a Whole of Life plan. And given the way protection needs are changing, with people buying their first home and having children later, not to mention our ageing...

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    Blog

  • Reasons why builder - Royal London for advisers

    Reasons why Designed to help build your business To help you explain the reasons for recommending a Royal London plan we've produced various paragraphs that describe our company and the features and benefits of our products. Select your paragraph type Reasons why for personal protection Use...

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    Reasons why

  • Why choose our Pegasus Whole of Life Plan? - Royal London for advisers

    ...raising a young family, or concerned about rising inheritance tax liabilities, our Pegasus Whole of Life Plan can help protect them and their loved ones. Find out more Protect your client's business Our Pegasus Whole of Life Plan can also help your clients who want to protect their business against...

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    Whole of life

  • Make it a habit - Royal London for advisers

    ...they took out their mortgage, a letter for those who have no critical illness cover or income protection and even a range for business protection customers. All the material has been pre-complied by our own compliance team which means that you can just cut and paste the text onto your own email...

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    Blog

  • Trusts. Easier than you think? - Royal London for advisers

    ...the concept of using a trust. This means that for policies like Relevant life or business protection where it is essential the trust is in place before the policy starts you can do this at the same time as the online application.  But for personal or family protection, whilst it may be good practice...

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    Blog

  • Your commission payments - Royal London for advisers

    's permission to do so. Is commission on a 2-year earnings period available on all of your products? No, we only pay commission on a 2-year earnings period on our Personal Protection Menu, Business Protection Menu and Relevant Life Plans. We will pay commission on our Pegasus Whole of Life Plan on a 4-year...

  • Reassuringly focused - Royal London for advisers

    protection business claims paid (1 January to 31 December 2016). Royal London UK intermediary protection business claims paid (1 January to 31 December 2016). Share: Share: About the author Ross Jackson Senior Protection Marketing Manager Ross joined Royal London in May 2014 as Senior Protection Marketing...

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    Blog

  • Trusts - frequently asked questions - Royal London for advisers

    ...of trustee in our guide to being a trustee. 3. Can a client's spouse be a named beneficiary? Business trust Your client's spouse should not be included as a beneficiary under the business trust unless they are also a partner or shareholder. It is essential that any business protection arrangement...

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    Frequently asked questions

    Trusts

  • Protection product information - Royal London for advisers

    Protection from Royal London Our products and services Personal Menu Plan Cover you can mix and match to meet your clients’ needs, and change over time. Business Menu Plan Flexible solutions to protect your clients’ businesses. Relevant Life Plan A tax-efficient way to protect your clients...

  • Good parent portfolio - Royal London for advisers

    ...that they had a will in place, which was 741 of 2000 respondents or 36.9% 3 Royal London’s UK intermediary protection business claims paid (1 January to 31 December 2017). 4 Gov.uk, Inheritance tax, accessed September 2018   Every day, more than 100 children lose a parent in the UK.1 Most parents would...

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    Good parent portfolio

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 royallondon.com.

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.