Insurance & Protection
18 February 2026 - 4 min read
Client: SME Director (Leeds)
Headline outcome
Full financial protection for both family and business.
Overview
Protection strategy for a director of a £1.2m turnover engineering business.
The Challenge
The client had a young family, a mortgage, and personal guarantees across business lending, but no structured protection in place. Existing cover was minimal and not aligned to current liabilities.
Our Approach
We completed a full review of personal and business exposure and implemented: £750,000 life cover (aligned to liabilities) Critical illness cover for personal protection Income protection based on net income Key person cover for the business All policies were structured tax-efficiently through both personal and business arrangements.
The Result
Full financial protection for both family and business Reduced risk exposure across lending facilities Peace of mind with a clear, structured protection plan