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Hello, I’m

Hello, I’m​ David Thompson (CeMAP, CeRER)
Mortgage Adviser
Your Trusted Partner for Mortgages and Financial Solutions
Welcome! I’m here to guide you through mortgages, remortgages, debt consolidation, and personal and business protection. With years of experience, I provide tailored advice and solutions to meet your unique needs.
Why Work with Me?
  • 1. Wide Range of Lenders: I have access to numerous lenders to find the best deals for you.
  • 2. Expert Advice: Benefit from my knowledge and experience to make informed decisions.
  • 3. Save Time and Money: I’ll handle the hard work, ensuring you get the best financial solutions efficiently.
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Understanding Shareholder Insurance

Shareholder insurance, also known as shareholder protection insurance, is a type of business insurance designed to protect the owners of a company in the UK. It ensures that the business can continue to operate smoothly if a shareholder becomes critically ill or passes away.

Shareholder insurance provides financial protection to the remaining shareholders, allowing them to buy the shares of the critically ill or deceased shareholder.

This insurance ensures that the company remains stable, and that ownership doesn’t pass to someone outside the business, such as a family member who might not be involved in the company.

It provides the necessary funds to purchase the shares at a fair market value, preventing any financial strain on the business.

Why is Shareholder Insurance Important?

Mitigates the risks associated with losing a key shareholder. Ensures that the business can continue to operate without financial difficulties.

Reduces the potential for conflicts among remaining shareholders and the family of the deceased.

In summary, shareholder insurance is a crucial tool for business owners. It provides financial security, ensures business continuity, and offers peace of mind by protecting the interests of all shareholders.

Things you need to know about Shareholder Insurance

Shareholder insurance, also known as shareholder protection insurance, provides financial protection to a business if a key shareholder dies or becomes critically ill. The policy typically pays out a lump sum, allowing the remaining shareholders to buy the affected shareholder’s shares, ensuring the continuity and control of the business.
This type of insurance is essential for companies with multiple shareholders. It helps ensure that the shares of a deceased or critically ill shareholder can be purchased by the remaining shareholders rather than being inherited by someone who might not have the same commitment or expertise.
The amount of cover required typically depends on the value of each shareholder’s stake in the business. An accurate valuation of the company and the respective shares is crucial to determine the appropriate level of coverage.
Premiums for shareholder insurance are determined based on several factors, including the age, health, and lifestyle of the insured shareholders, as well as the total amount of coverage needed. The financial strength and stability of the business may also play a role.
The tax treatment of shareholder insurance premiums and benefits can vary. Generally, premiums are not tax-deductible, but the payout is usually received tax-free. It is important to seek advice from a tax professional to understand the specific implications for your business.
If a shareholder leaves the business, it’s crucial to review and possibly adjust the policy. The insurance should be flexible enough to allow for changes in the ownership structure without significant penalties or complications.

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  • Apt 11, Woodbrook House, 46, New House Farm Drive, Northfield, Birmingham 831 2GP
  • Birmingham – 0121 453 4244
    Loughborough – 01509 457458
    Mobile – 07930 895118
  • david@templar-mortgages.co.uk

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Not all Buy to Let mortgages are regulated by the Financial Conduct Authority.

Think carefully before securing other debts against your home.

As with all insurance policies, conditions and exclusions will apply.

Templar Mortgages and Protection is registered in England & Wales under number 15371139. Registered address is – 11, Wood Brook House, 46, New House Farm Drive, Northfield, Birmingham, B31 2GP.

Templar Mortgages and Protection is an Appointed Representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority.

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