Start with the people and priorities.
The loss of an owner, the absence of a key person and an employee benefit scheme are different needs. DFM helps you identify whose financial position you want to protect, review existing arrangements and consider suitable cover.
How DFM helps
We establish your priorities, review existing cover and research appropriate options. We explain who is insured, who receives the benefit, the costs and the limitations before you decide whether to apply.
Cover for your business and its people
What we consider with you
- Your business: key person and shareholder protection.
- Directors and families: relevant life cover and executive income protection.
- Your employees: group protection and business private medical cover.
Important considerations
The right arrangement depends on the business, the people insured and policy terms. Insurance, legal agreements and tax treatment may need to be considered together with your legal and tax advisers.
Your questions
Can you review our existing policies?
Yes. Bring policy schedules, benefit details and information about changes in the business. A review starts with what you already have and what you need now.
Is this the same as personal protection?
No. Business policies and personal policies can protect different interests and pay benefits to different recipients. We consider how the arrangements fit together.
General information, not a personalised recommendation.