Protection
Business Protection
Many property investors focus on protecting their properties but overlook protecting the business that supports those investments. Business protection is designed to ensure that if something unexpected happens to a key individual within the company, the business can continue operating and financial commitments can still be met.
For property investors and company directors, the business often relies heavily on a small number of people who manage deals, funding, and day-to-day operations. If one of these individuals were to pass away, suffer a critical illness, or become unable to work, it could have a significant financial impact on the company. Business protection helps reduce this risk by providing financial support and stability during difficult circumstances.
By structuring the right protection alongside your finance and investment strategy, you can safeguard both your company and long-term investment plans. Business protection solutions are designed to protect ownership, support business continuity, and ensure that outstanding financial obligations can still be met.
Types Of Business Protection
Relevant Life Cover
Relevant Life Cover is a tax-efficient life insurance policy that allows company directors to provide life cover through their business. The policy is paid for by the company and provides financial protection for the individual’s family while potentially offering tax advantages compared to personal life insurance.
Shareholder Protection
Shareholder Protection ensures that if a shareholder passes away or becomes critically ill, the remaining shareholders have the funds to buy their shares. This helps maintain control of the company and prevents ownership from passing to external parties.
Key Person Insurance
Key Person Insurance protects the business financially if a key individual such as a director, founder, or senior employee becomes unable to work due to death or serious illness. The payout can help cover lost revenue, recruitment costs, or temporary financial disruption.
Business Loan Protection
Business Loan Protection ensures that outstanding business debts can still be repaid if a director or partner dies or becomes seriously ill. This protects both the business and any personal guarantees linked to business loans or property finance.
Traditional Life Insurance
Life insurance ensures your loved ones are financially protected after your death. It provides a lump sum to cover debts, living expenses, and future financial needs. We offer a range of life insurance options to suit your requirements, helping you secure peace of mind for your family’s future.
Income Protection
Income protection insurance is crucial if you face unexpected illness or injury that prevents you from working. This cover provides a regular income to help you maintain your lifestyle and meet essential expenses during periods of disability. We can help you find the best policy tailored to your needs.
Critical Illness Cover
Critical illness cover provides a lump sum payment if you’re diagnosed with a serious illness, such as cancer or heart disease. This financial support can assist with medical costs and other expenses, offering peace of mind during challenging times. Explore your options with our expert guidance.
Over 50s Cover
Over 50s life insurance offers guaranteed acceptance and a lump sum payout without requiring a medical exam. Designed for individuals aged 50 and over, this policy helps cover final expenses and leaves a financial legacy. Let us guide you in choosing the right policy for your needs.
Whole of Life Insurance
Whole of life insurance provides lifelong coverage with a guaranteed payout upon death. Unlike term policies, it offers peace of mind with its assurance of a payout regardless of when you pass away. Explore our options to find the best whole of life policy to meet your long-term financial goals.
Building and Contents Insurance
Building and contents insurance covers both the structure of your home and your personal belongings. This combined policy protects against risks like fire, theft, and damage, ensuring comprehensive coverage for your property.
Business Protection
Running a successful property business or investment company involves more than securing properties and financing deals. It also requires protecting the business itself from unexpected events that could disrupt operations or impact financial stability. Business protection provides a safety net to ensure that if something happens to a key individual, the business can continue running and meet its financial commitments.
Start With a Conversation
Every situation is different. A short conversation is often the easiest way to get clarity on what options are available and whether I’m the right person to help.
I work with property investors, limited company landlords and residential clients who want clear, straightforward advice before making a commitment.
There’s no pressure to proceed. Just an initial discussion to understand your plans and decide the best next step.
Your trusted partner for mortgages and protection, here to help you stay organised, secure, and confident in every financial decision. If you’d like to make your mortgage and protection journey simple and stress-free, just get in touch—I’m here to help.
Quick links
Legal
Legal
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgages and protection products are subject to eligibility and lender criteria.
Equity release may reduce the value of your estate and affect your entitlement to means-tested benefits.
Buy-to-let mortgages are not usually regulated by the Financial Conduct Authority.
MJS Finance is a trading style of Freedom Financial. Authorised and regulated by the Financial Conduct Authority.
We are authorised and regulated by the Financial Conduct Authority. FCA number: 920865.
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