Business Protection

1 in 10 business owners would expect their business to stop trading right away if a key person died, and 61%² say that losing a key person would have a major  impact on their business

Business Protection – We Make it Simple

Our Aim – to protect your business should a key person, partner or director die or contract a critical illness ensuring that your business can continue trading in these circumstances.

Running a business always involves an element of uncertainty. Premises can be rebuilt, plant or products replaced, but the recovery of a person is not nearly as clear cut, regardless of whether that person is an employee or the owner.

 

There are no guarantees that someone who has suffered a major health crisis will be able to perform at the same level as previously or even return to work. That’s why it’s especially important that critical illness cover, as well as life cover, is in place to help ensure that the business can cope with the loss.

 

We’re dedicated to helping you make the right life insurance choices. Not the best choice for us, or the most expensive – simply the best choice for you and your unique circumstances.

 

Our advice is honest, frank and regulated for your reassurance – whether you buy from us or not, we want to leave you feeling more in control of your options.

 

How we will help you make the Life Insurance choices

Right Cover
Lump sum or regular income? Not too much or too little, we’ll find you the cover to suit your situation and your budget?

Better Prices

We’ll save on your premiums, but we don’t just hide behind a marked down price. Our discounts are always on the right insurance policy for you.

Better Small Print

As we’ve said already, life insurance simply has to pay out. We maximise your chances by reducing or mitigating any exclusions from your policy.

What is Partner/Director Share Protection

The loss of a partner or director may destabilise the business and can quickly lead to financial difficulties. Partner/Director Share Protection means if the worst does happen, the remaining directors or partners can stay in control of the business.

Our Promise

We stand for honesty – advice – trust and value. Our culture and people matter and promise you this, the team that makes Equity SMART work will be centred on you. Our team believe in treating clients like family, so you can be confident that we’ll give you the same advice we would give to our own relatives.

Our Insurance Philosophy

We believe in a “Get Rich Slowly” philosophy through a “passive investment” approach to purchasing investments. This we believe is the right choice for the majority of investors who are seeking more peace of mind, when looking to achieve sustained performance over the longer term.

• Passive investment is the rational, mathematically proven route to investing success.
• Our investment strategies are focused on your risk profile, well researched, efficient and low maintenance.
• We look to keep your costs low through longer term appreciation, reduced maintenance and look to avoid unnecessary trading.
• Ensure you are not over exposed at any time through wide diversification of your asset classes.
• We provide regular reviews and rebalancing when required or on a 6 monthly or yearly basis.

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