Friends Life Business Protection
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- Derick Atkinson
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1 This item is directed at professional financial advisers only and it should not be distributed to, or relied upon, by retail customers Protection Account Friends Life Business Protection The benefits for you and your clients
2 People have the power to make or break a business. It s tough out there. All businesses are currently adjusting to the UK s challenging economic conditions. In this environment, businesses right across the board are likely to be examining what they can do more efficiently than their immediate competitors. It is likely that their focus will turn to people, the raw material of any successful enterprise. This is where Business Protection can help.
3 The size of the potential Business Protection market We believe that Business Protection offers you a great opportunity because it is a largely untapped area. The facts show that there are nearly 4.7 million businesses in the UK. 1 And in 2007, Swiss Re reported that the market for Business Protection was worth more than 500 billion. 3 In 2005, Swiss Re estimated that: 70% of UK businesses did not have Business Protection 2 only an estimated 5-10% of businesses have Key Person Cover 2 the average Business Protection case is 250,000 sum assured much larger than individual protection 2 Sources: 1) BERR Stat Press Release, July ) Swiss Re, The Insurance Report, ) Swiss Re, The Insurance Report, 2007 The current economic environment offers an opportunity in this area. In a downturn, it is more likely that businesses will wish to protect what they already have. The potential opportunities are plentiful and new business could be waiting for you in your existing portfolio of clients. In addition, discussions about Business Protection with existing professional clients can result in introductions to other professionals, meaning more opportunities.
4 The market: potential benefits What s in it for you? Business Protection cases are worth more than personal protection, meaning more income for you. Selling Business Protection is a great way of entering the potentially lucrative corporate market. Discussions about Business Protection can open up many other opportunities in corporate financial planning, individual financial planning and family tax and investment reviews. What s in it for your clients? Friends Life Business Protection allows a business to protect itself against adverse effects of losing key people due to death or serious illness. Business Protection allows a business to identify risks and put in place potential solutions, allowing the business to survive should the worst happen. New work patterns are creating more small companies and people that are self employed all the more likely to need Business Protection. Our Business Protection provides a range of flexible solutions to meet your clients specific business needs. We can tailor Life and/or Critical Illness Covers to ensure benefits provide the right solution at the right time.
5 Why Friends Life? The Friends Life Protection Account provides a range of flexible solutions. We allow your clients to hold numerous covers in one account that we can tailor to meet their specific business needs. Your clients will be used to taking calculated risks. Why not take the time to help them take one less risk and make their business more secure? We can tailor Life and/or Critical Illness Covers to ensure Business Protection benefits provide the right solution at the right time: Key Person Protection In the event of the loss of a Key Person, we will pay cover benefits directly to the business. The business can then use the benefits to fulfil their financial needs while recruiting a replacement or undergoing reorganisation. Shareholder/Partnership Protection In the event of the loss of a Shareholder/Partner, we provide the surviving shareholders with funds to purchase any available shares. This allows the business to continue without further disruption. Business Loan Protection In the event of the loss of a Key Person or named guarantor, we will provide the business with funds to repay any borrowing. This will help protect the business' existing loans and it's ability to secure new borrowing in the future. Executive Income Protection If executives are unable to work due to illness or injury, we pay benefits to help protect them against a loss of income. And being Executive Income Protection, the cover is more comprehensive than individual income protection.
6 What we offer you Tools and support We recognise that Business Protection can seem complex to people that run businesses and we have designed support materials to make it easier for you to advise your clients and their businesses. Large Case Team As Business Protection invariably means larger sums assured, we have a Large Case Team to help ensure we process your applications as smoothly and as efficiently as possible. Smart underwriting philosophy We have a flexible approach to underwriting and deal with each case on its own merits. We are eager to fully understand the levels of cover selected and will work with you in agreeing a level of cover based on information supplied by the business. This is a critical area and enables fast completion of the business. We have a flexible approach to underwriting and deal with each case on its own merits.
7 Most successful businesses have their assets covered by some form of protection. At the very least, the business premises, its stock and transport are covered. But what about its people assets? The fact is that people have the power to make or break a business. Bear in mind that: There were over 200,000 business closures in the first half of UK individuals have a greater than 1 in 8 chance of death before age million working days were lost due to sickness or injury between June 2007 and July Sources: 1) Barclays Newsroom, 2008 half year start ups and closure report. 2) interim life tables. 3) National Statistics Feature, Sickness absence from work in the UK, 2008 Crown copyright material is reproduced with the permission of the Controller of HMRC. Business Protection aims to help your clients businesses continue to trade in the event of a death, critical illness or disability of a Key Person, Partner or Shareholder. It can help businesses identify risks and: Provide a financial cushion in a crisis. Replace lost earnings and profits. Protect the creditworthiness of a business.
8 If you need more information about Friends Life Business Protection, please contact your Account Manager or call the Friends Life Protection Line on: (option 2) You can also find more information, literature and tools on our website PRBPSELLING 07/02/11 (31666) Friends Life, PO Box 1810, Bristol BS99 5SN. Telephone: Friends Life Services Limited distributes and administers financial products and services and is authorised and regulated by the Financial Services Authority, register No ( A company limited by shares, registered in England No , registered office: Pixham End, Dorking, Surrey, RH4 1QA. As part of our commitment to quality service, telephone calls may be recorded.
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