Financial Planning for Business

FINANCIAL PLANNING FOR BUSINESS

Rowlands & Hames' Financial Planning division provides a full range of group protection and investment products.

Loan Protection

Loan protection is normally arranged using a reducing term assurance policy, taken out to provide cover against death or a critical illness (where the option is chosen) which could adversely affect the buisness's ability to repay a loan.

Keyman

You will insure your physical assets, your revenue, your liabilities and perhaps even your debtors via credit insurance, but do you ensure your most valuable asset - key directors or employees? We offer different types of policy to esnure you continue to trade following serious illness or even death of a key employee.

Shareholder/Partnership Protection

The death of a shareholder typically means the individual's shares in the company are passed to the beneficiaries of their Will, usually family. Shareholder protection produces a lump sum to be used by the surviving business partners and shareholders to buy the shares of the deceased from his or her estate or family. This ensures minimum disruption to the company, while the family will receive a cash amount equivalent to the value of the deceased's shareholding.

Life and Protection

• Group Life / Death in Service
• Group Critical Illness
• Group Income Protection

Pensions

• Group Personal Pensions
• Self Invested Personal Pensions
• Rebate only Personal Pensions
• Stakeholder Pensions
• Free Standing AVCs
• Executive Pensions
• Small Self Administered Schemes (SSASs)
• Trustee Investment Plans
• Pension Annuities

Please contact Andy Farnworth for a quotation on 01253 598952 or email andy@rowlands-hames.co.uk.