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A refreshingly clear approach to your financial planning

Key Person Insurance

Every business has key individuals. They may have specialised knowledge that has taken years to acquire, or a skill that is in short supply.

In any event, if they were to suddenly become seriously ill, or die prematurely, their absence could cause the company considerable financial difficulty and their replacement could also take a long time and be very expensive. Key person insurance exists to protect your company from this very real risk.

Manage the risk

Take a moment to think about the individuals in your company and how much it would cost to cover their work (assuming this was even possible) until a proper replacement could be appointed.

  • Key person cover will enable you to keep the business going forward in times of a crisis.
  • It provides cover in the event of a key person becoming ill or suffering from a specified critical illness.
  • It pays the company directly which allows the company to continue its business and pays for a new temporary member of staff to carry out their duties until the key person returns to work.

Risk management is an important element of the duties of a director, yet many businesses are exposed to this risk when it could be mitigated so easily – and usually relatively cheaply.

As Independent Financial Advisers we will help you find the plan that best meets your requirements.

Call us on 01206 823953 or This email address is being protected from spambots. You need JavaScript enabled to view it. to arrange an initial discussion

Key Person Cover

Manage RiskManage the risk

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 © 2015 Arcaria Financial Solutions Ltd.

Arcaria Financial Solutions Ltd. is authorised and regulated by the Financial Conduct Authority
Registered office: Warden House, 37 Manor Road, Colchester, Essex, CO3 3LX
Company registered in England and Wales. Registered No. 8048391

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If you wish to register a complaint, please write to or telephone Arcaria Financial Solutions Limited, 14 Westlake Crescent, Wivenhoe, Colchester, CO7 9RZ.  Tel: 01206 823953

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 023 4 567.