Company Protection | Business Resilience Tool

Welcome to your Business Resilience Check

Let’s get started – take control of your business’s future.

This quick assessment will help you identify potential risks and gaps, providing clear, actionable insights to safeguard both your business and your livelihood.

It only takes a few minutes, and the results could be invaluable in strengthening your business’s resilience and protecting what matters most to you.

Start the Check

Company Details

Providing this info allows us to customise your assessment and deliver more relevant insights.

Ownership & Retaining Control

Most business owners haven't considered what would happen to their shares if they died or were diagnosed with a serious illness (e.g. heart attack, stroke, cancer etc.).

Question 1 / 5 Is there sufficient cash set aside to cover each shareholder's share, along with up-to-date agreements to ensure a smooth transfer?

No

Unsure

Shareholder Protection Policy in place – but not reviewed in the last 12 months

Shareholder Protection Policy in place – updated recently

There are no other shareholders (i.e. Sole Trader, LLP, Partnership)

Back Next

Financial Commitments & Liabilities

Most businesses have outstanding commitments or debts. For example, any loans, commercial mortgages, overdrafts, credit card balances, lease agreements or Director Loan Accounts.

Question 2 / 5 Do you have 'Business Loan Protection' policies in place to provide the funds needed to repay all of your commitments/debt in full?

NA – Zero Debts/Commitments

Unsure

No

Yes – although not reviewed in the last 12 months

Yes – reviewed recently

Back Next

Key People & Business Continuity

A key person is someone on whom the business relies very heavily. Think of who is key in your business...

Question 3 / 5 How many key people do you have in your business?

Just me

2-4

5+

Back Next

Key People & Business Continuity

Now imagine them not being able to work for several months, or ever again. Unfortunately, ill-health or premature death is a real possibility – it does happen – we can probably all think of someone.

Question 4 / 5 Do you have ‘Key Person Insurance’ in place for the key people in your business?

No

Yes – Key Person Insurance for some, but not for all

Yes – Key Person Insurance for all

Unsure

Back Next

Tax-Efficient Life Insurance

A ‘Relevant Life Plan’ allows business owners to provide tax-efficient life cover through the business, rather than paying personally. It’s fully HMRC-compliant, provides savings of up to 49% compared to personal life insurance, and ensures loved ones receive a tax-free lump sum if the worst happens.

Question 5 / 5 Would you like to know more about tax-efficient life insurance?

Yes – I’m interested for me and/or my employees

Pass for now

Back Next

Nearly there...

On the next screen you’ll be able to review your results and insights.

Because your Professional Adviser, Company Protection (via Facebook), recommended the Business Resilience Check to you, they’ll be notified and receive a copy of your results also.

Name of your company

Your first name

Your last name

Your email address

Your telephone number

Provide your telephone number, and a Company Protection Adviser will call you to discuss options to strengthen your business's financial resilience while safeguarding your personal income.

Yes, send me my assessment results and insights! I’m also happy to receive occasional updates, expert tips, and relevant offers to help strengthen my business. You can unsubscribe at any time. Read our Privacy Policy

Back Next

Your Business Resilience Check is complete!

Now, take a moment to review your results. Over the next few screens, you'll be able to see your risk level across four key financial areas, along with insights into the risks of inaction and the benefits of putting the right protection in place.

It’s not just business, this is personal too

As a business owner, your personal income, lifestyle, and future aspirations are deeply tied to the financial resilience of your business. The ability to pay yourself, invest in your family’s future, and enjoy the ‘nice-to-haves’ in life all depend on your business’s ability to generate consistent income - no matter what challenges arise.

See what’s at stake - and how to protect it.

View Results & Insights

Ownership & Retaining Control

Without a plan in place, the sudden loss of a business owner could lead to unwanted external influence, disputes, or even the forced sale of shares.

Risks

If you take no action:

Your family could face uncertainty

They may inherit shares but struggle to sell them or get paid what they should be worth.

You could lose control

Without agreements and funding, shares may pass to someone outside the business.

Your business could face instability

Disputes over ownership could disrupt operations, damage relationships, and reduce the value of your business.

Benefits

With Company Protection:

Your loved ones are financially protected

They receive a fair payout for their shares without stress or unnecessary legal battles.

You secure the future of your business

A clear succession plan ensures the right people retain control at all times.

Your company remains strong

Operations continue smoothly, and shareholder disputes are avoided.

Surprising Stat: Only 9% of UK businesses have fully integrated succession plans, with the remaining 91% risking legal battles, loss of control and significant business disruption.

Back Next

Financial Commitments & Liabilities

If a key stakeholder passes away, outstanding business loans or personal guarantees could become immediate financial burdens for the company or its directors.

Risks

If you take no action:

You could face urgent debt repayments

Loans may be called in, creating cash flow issues.

Your assets may be at risk

The business might have to sell assets or struggle to stay afloat.

Your family could inherit financial stress

Personal guarantees may mean debt falls on your loved ones.

Benefits

With Company Protection:

Your business remains creditworthy

Lenders and investors will have confidence in your financial security.

You can focus on growth, not survival

Instead of scrambling to cover debts, you can continue operating as usual.

Your family receives financial protection

Instead of worrying about debt, they receive security and stability for the future.

Surprising Stat: 60% of businesses have 3 or more key people and would fail within 12 months of losing any one of them.

Back Next

Key People & Business Continuity

Losing a key individual can leave a financial and operational gap that threatens business survival.

Risks

If you take no action:

Your business could lose major clients

Key relationships and expertise may be difficult to replace.

Profits could take a serious hit

Loss of leadership or technical skills could slow growth or disrupt operations.

Your family may suffer financially

If the business struggles, it could impact your income and future security.

Benefits

With Company Protection:

Your business remains stable

Funds are in place to cover revenue loss, recruitment, or restructuring.

Your team and clients feel secure

Reassures employees, partners, and customers that the business is protected.

Your family’s income stays protected

Ensures financial security for your loved ones, even if you or a key person can no longer work.

Surprising Stat: 94% of businesses admit to having at least one critical person without whom the business would fail – the majority would cease trading in less than 12 months.

Back Next

Tax-Efficient Life Insurance

Risks

If you take no action:

You may be losing out financially

Without a tax-efficient setup, premiums could cost you up to 49% more than necessary.

Your family may struggle with urgent bills

Most personal life insurance policies aren’t held in trust, meaning payouts could be delayed in probate.

Your family might get less than expected

Without the right structure, any payouts could be subject to unnecessary tax deductions.

Benefits

With Company Protection:

Your business reduces costs and saves tax

A Relevant Life Plan can help reduce your Corporation Tax liability.

Your family gets financial security, faster

Policies go into trust at outset, ensuring the cash reaches the right people quickly.

You create a valuable employee benefit

Offering tax-efficient life cover can help attract and retain key staff, further strengthening your business resilience.

Surprising Stat: Nearly 9 out of 10 businesses who became aware of the benefits of a Relevant Life Plan were keen to find out more given the advantages of placing their cover on expenses.

Back Next

Thank you!

Your Business Resilience Report is on its way to your inbox – and your trusted adviser has a copy too.

Free Consultation

If you’d like to discuss your results or explore solutions, schedule a free 20-minute consultation with an Adviser.

Get Your Report

Download your tailored report to revisit your results, insights, and recommendations anytime.

Download

You’re welcome to call our Company Protection Advisers directly on 0800 0470 095

Alternatively, you can reach out to Company Protection (via Facebook), who recommended that you complete this Business Resilience Check.

Acting now could save you from much bigger problems down the line.

Back