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Protecting Your Business

Here at Commercial Mortgages Fast we have staff who are fully trained FSA regulated, qualified and approved advisers with corporate, private and commercial banking backgrounds. With years of expertise in the UK financial, banking and mortgage market we are in a great position to help you by giving you and your business added peace of mind. We believe that an important part of our role is to do whatever we can to help you protect your business against unforeseen or unexpected risks.

We urge you not to leave the future prosperity of your business to chance! Business people generally work very hard usually for long hours and having done so, it would be very worrying to be suddenly faced with the prospect of a serious illness or even death of another key member of the business team. The consequences of this kind of event would be devastating and could affect not only the future growth of the business but even the viability of the business itself. Our advice is always to ensure that all your bases are fully covered by putting in place the necessary protection planning.

Life Assurance & Critical Illness Menu

If you have any questions about insurance and protection and would like our help, call us Free today on 0800 023 44 98.

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Business Loan Protection / Mortgage or Loan Cover

Banks and lenders normally insist that their commercial borrowings are protected against the death of the borrower by having life assurance in place. Usually, this is through an in house bank product which can often be up to 3 times as expensive as comparative solutions available through us.

At Commercial Mortgages Fast we can provide a loan or mortgage protection policy designed to protect your loan repayments to your finance company or bank if you are unable to work due to an accident or period of sickness.

We can also arrange a protection policy to insure the death or critical illness of a Partner or shareholder with a capital sum sufficient to repay the bank to clear business borrowings. So before you take out any business borrowings or even if you are already paying for life cover to protect any borrowings please talk to us first.

For a truly competitive quote …FAST call us Free today on 0800 023 44 98.

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Share Protection for Limited Companies

Typically the shares of a deceased Director are inherited by the beneficiaries of his or her estate. This means that those beneficiaries may gain control of the company. This may not suit the business moving forwards and can bring about instability within the business infrastructure.

Commercial Mortgages Fast has access to a wide range of insurers to help you overcome this problem which will provide a capital lump sum in the event of death or critical illness which will make it possible to purchase the deceased shareholder’s capital stake in the business.

We can offer guidance on the value of the directors or shareholders stake in the business and put in place a protection policy to mirror this amount. We can also offer guidance through our legal partners on how the business should be set up from a legal perspective using suitable agreements between beneficiary’s and the shareholders.

For a truly competitive quote …FAST call us Free today on 0800 023 44 98.

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Partnership Protection for the Self Employed in Partnerships

One of the most unspoken risks to any business partnership is the possibility of one of the Partners dying, such that his or her share of the business is then passed on to a member of the deceased Partner’s family and not to the other Partners.

At Commercial Mortgages Fast we are able to provide solutions similar to that of a Ltd company’s protection policy which will enable the remaining Partners to buy out the deceased’s interest in the business and at the same time, compensate any beneficiaries or dependants by providing a capital sum to the business which can be passed on to the deceased next of kin in return for full ownership of the business.

Using an agreement drawn up by specialist lawyers this effectively provides for a deceased Partner’s shares and interest in the business to be passed on to the surviving partners whilst at the same time, providing an equivalent capital sum to the deceased’s beneficiaries.

For a truly competitive quote …FAST call us Free today on 0800 023 44 98.

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Key Person Cover

The death or illness of a Director or another key member of a business team can have a seriously destabilizing effect on a business. For this reason, it is essential to ensure that the business is covered and protected against this eventuality.

At Commercial Mortgages Fast we can tailor a protection policy to give the business a capital sum for any purpose. For example; this can be used to help recruit a suitable successor and to go some way to making up for any lost profit generated by the sick or deceased key person.

For a truly competitive quote …FAST call us Free today on 0800 023 44 98.

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Income Protection

Sickness and ill health can strike at any time. When it does, it can have serious consequences for that individual and their business. In these circumstances it essential that protection is in place such that funds are available to bridge the inevitable income gap. We can build a protection policy to give real cover which would provide a monthly capital sum at a time when it is needed most. It is essential you review this area with our team to make sure you are fully covered.

For a truly competitive quote …FAST call us Free today on 0800 023 44 98.

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