Protection

The O&G Protection Portfolio

There are loads of great things about being your own boss. But there’s one big risk...

If you're self-employed or a freelance contractor and you can't work – you don’t get paid – simple as that. We’re not saying that to scare you but because it’s a fact that should be accepted and planned for. We encourage all our clients to ask the question "What if? How would I and/or my family cope if?"...

...And then to plan for the answer.

There are a few basic elements to a protection plan and our partners can provide them all as one easy to implement and apply for package that will cover all circumstances and help you to sleep at night:

  • Life Assurance: pays your chosen beneficiaries a tax-free lump sum if you die
  • Critical / Serious Illness Cover: pays out a tax-free sum if you suffer a serious illness
  • Permanent Health Insurance: replaces 75% of your previous income if you are unable to work due to health reasons

They can also provide private medical insurance.

Business / Corporate Protection

Limited companies and partnerships should also consider:

  • Key Man Insurance: pays out a lump sum to the business in the event of the death of a key member of staff
  • Directors’ Share Protection: pays out a lump sum on the death of a shareholder, enabling the business to purchase the shares from the estate of the deceased, where both parties agree

Please call us on 0845 272 4009 or email us at info@orangeandgold.co.uk if you are interested in learning more about any of the above products, services or ideas.