A number of small to medium sized companies are owned by more than one shareholder. If one of those shareholders were to die or become totally and permanently disabled, the remaining shareholders would be faced with two options, to either purchase the exiting partners equity in the business, or to allow another partner into the business.

Often the best position for the existing partners is to purchase the shares themselves and to retain control.  Shareholder protection provides the funds to do this without the need to raise debt.


The success of any business is pivotal on the ability of that business to produce an income.  Within the business the people who significantly contribute to income producing activities are key people.  If a key person is removed from the equation the income stream of the business is significantly affected and the business will suffer, in some cases to the extent that the business will cease to exist.


Many small businesses use debt as a means of finance.  In order to secure this debt the lending institutions often require personal guarantees from the business owners.  Business debt protection is designed primarily to protect the business owner and their family from these guarantees should they become totally and permanently disabled, suffer a trauma or meet with an untimely death.


If you have any another questions please don't hesitate to contact us

09 447 3260

76 Unit 5b

Paul Matthews Road



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