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Company director Insurance

Protect your business

A robust board of directors is essential for the strategic and financial health of any organization. The unexpected loss of a director due to death or serious illness can have detrimental effects on a business. Co-director Insurance from Zurich Life enables the company to purchase a director’s shares from their heirs in the event of such unfortunate circumstances. This arrangement helps maintain stability within the business, as the remaining directors will retain complete control over the company. Additionally, this option may benefit the family of the deceased, who might not wish to assume or may lack the necessary expertise for this responsibility.

What is Company director Insurance?

This type of life insurance is tailored for businesses and offers financial compensation to a company’s shareholders. In the event of a director’s death, a lump sum payment is made available, allowing the remaining directors to purchase the shares of the deceased from their heirs.

How does it operate?

Company director Insurance can be obtained at any point during the lifespan of your business. You will be required to pay a premium regularly, which will depend on the necessary coverage and the value of the director’s shares. In the unfortunate event of the director’s death, the policy will provide a lump sum payment to address this situation. This amount can be utilized to purchase the deceased director’s shares from their heirs.

features:

Peace of Mind: Company directors are assured that they will maintain control over the company.

Ease and Choice: The successor of the deceased is not required to participate in the business operations.

Stability: The remaining directors can keep ownership of the company, ensuring continuity for its operations.

Options: This insurance can also offer coverage for serious illnesses.

Key Takeaway?

The passing of a director can cause significant distress and sorrow within any organization. Furthermore, it may threaten the stability and strategic direction of the company. If the deceased director held a majority stake, the remaining directors could potentially lose control of the organization if the next-of-kin were to assume ownership. The family of the deceased may not have adequate knowledge about the business operations and could face financial difficulties due to the loss of income. Co-Director Insurance provides a mechanism for the directors to purchase shares from the family, which might be the most beneficial solution for all parties involved.

Get in touch

Find out what Livingstone Financial Services can do for you.

To explore ways to enhance your company pension, please reach out to your pension consultant or contact me for a complimentary consultation. You can call Mark at 0833653653 today.

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