Shareholder Protection Insurance

In today’s competitive environment survival depends on the ability to respond to change. The change that could hit your business could be the loss of a key director/shareholder through death, disability or unplanned retirement. Many small to medium size businesses rely on the complementary skills and abilities that shareholders bring to a business for day-to-day survival.

Shareholders often undertake considerable personal financial commitment, bear the increasing responsibilities of compliance and invest much time and expertise in planning for the ongoing success of the business.

With so much at stake a business survival plan should cover:

  • The untimely loss of a shareholder through death or disability
  • A solid succession plan for loss of a shareholder on retirement


  • FACT: Over the 2000/2001 year the average age of Fidelity Life’s Critical Care claimants was 46.
  • FACT: The average age of our death claimants was 49
  • FACT: The average age of our Income protection claimants was 47-average duration of claim was 20 months.

Given that most of us expect to retire when we reach the 60 to 65 age group, this snapshot of our claims profile shows that a crisis could bring our working days or our capacity to work to an abrupt end long before we could ever imagine.

Your Lloyd's Insurance Adviser will assess your situation and help you select the right insurance based on a range of factors including the size of debts, size of your family, your budget and your lifestyle.

Included in your personal assessment is a fast and accurate comparison of suitable products from the huge range available from major insurance companies.

Match your Situation with the correct Insurance for your family's needs

For a personal Insurance assessment that will match your situation to the Insurance products which are in your best interest, talk to your local Lloyd's Insurance Adviser, or call us at any time on 07 572 1599 (+64 7 572 1599).