Introduction
In corporate transactions, whether a sale, merger, management buyout, or family succession, deferred or contingent consideration is common. If a shareholder dies before the full proceeds are received, their estate may face an unexpected inheritance tax charge. We provide independent, commission-free solutions to protect families and provide immediate liquidity to meet HMRC's demands.
Protect your profits and stability if a key employee dies or becomes seriously ill.
When a key director, specialist, or rainmaker is suddenly absent, profits can fall and operations can stall. Key Person Insurance gives your business a financial safety net to cover lost revenue, repay debts, or fund recruitment.
Shareholder Protection
Secure the future of your company if a shareholder dies or exits through ill health.
Without a plan, shares can pass to a family who may not want to be involved or may want to sell quickly.
Shareholder Protection ensures the surviving owners have the funds to buy out shares, keep control of the business, and protect all parties fairly.
Business Loan Protection
Make sure debts don’t put your business at risk.
If a director or guarantor dies, lenders may demand repayment at the worst possible time. Business Loan Protection provides the cash to settle loans or reassure creditors, helping your company avoid financial strain.
Inheritance Tax on Deferred Consideration
Protect your family if tax becomes due before you receive the proceeds of a sale.
When a shareholder sells a business, it’s common for part of the price to be paid later as deferred consideration. If the shareholder dies before that money is received, HMRC can still assess inheritance tax (IHT) on the full value, even though the cash isn’t yet in the estate.
This can leave families facing a tax bill without the liquidity to pay it.
A tailored life insurance policy can cover this risk, ensuring that if the worst happens, cash is available to meet the IHT liability.
Why ContinuityPoint?
Independent advice – we don’t take commission from insurers.
Clear fees – no hidden margins, no surprises.
Professional alignment – we work alongside accountants, solicitors, and estate planners.
Complete protection – not just policies, but agreements and structures that ensure your business and family are protected.
Protect your business’s future today.
Book your free exploratory meeting to see how ContinuityPoint can help you put the right protections in place.