Your business is built on people — and protecting those people is essential to long-term success. At Rite Wealth, we help business owners put the right protection in place to secure their company, shareholders, and employees against unexpected events.
Your business is built on people — and protecting those people is essential to long-term success. At Rite Wealth, we help business owners put the right protection in place to secure their company, shareholders, and employees against unexpected events.
Unexpected events can disrupt even the strongest businesses. Our Business Protection Planning services ensure you have the right safeguards in place to protect your people, assets, and profits. Take action now to ensure your business thrives—no matter what lies ahead.
Ensure business continuity if a shareholder or partner dies or becomes critically ill — with agreements and insurance that allow surviving owners to retain control.
Protect your business against the financial impact of losing a key employee or director — covering lost revenue, recruitment costs, and disruption.
Offer valuable employee benefits that support staff and their families — including death-in-service cover and income protection during illness or injury.
Review existing cover to ensure it’s up to date, cost-effective, and aligned with your business structure
Integrate protection planning with shareholder agreements, succession plans, and employee benefit packages
Ensure tax efficiency and compliance with HMRC rules on premiums and benefits
FAQs
We help you set up protection that allows surviving shareholders to buy out the deceased’s share — avoiding disruption or external ownership.
Yes — it helps cover the financial impact of losing someone critical to your business operations, giving you time and resources to recover.
Absolutely. Group life and income protection are valued benefits that support staff wellbeing and improve retention.
We structure policies and agreements to ensure premiums and payouts are handled correctly — avoiding unnecessary tax liabilities.
If a shareholder or partner dies or becomes critically ill, what happens to their share of the business? Without a clear plan, ownership could pass to family members or third parties — creating uncertainty, disputes, or even financial strain. At Rite Wealth, we help you protect your business and maintain control through structured agreements and insurance solutions.
FAQs
We help you balance salary and dividends to optimise tax efficiency while staying compliant with HMRC rules.
Yes — we guide you on using employer pension contributions to reduce Corporation Tax and grow your personal wealth.
We assess whether options like EIS or VCTs are suitable for your goals, offering generous tax incentives with careful planning.
We structure your business sale or wind-down to minimise Capital Gains Tax and maximise your financial outcome.
Every business has individuals it relies on — whether it’s a founder, director, or top-performing employee. If something happens to them, the financial impact can be significant. At Rite Wealth, we help you put Key Person Insurance in place to protect your business from disruption and loss.
FAQs
It’s a policy that pays out if a key employee or director dies or becomes critically ill — helping cover lost income, recruitment costs, or business disruption.
Anyone whose skills, knowledge, or relationships are vital to your business — such as founders, sales leaders, or technical specialists.
We help you assess the financial impact of losing a key person and recommend a suitable level of cover based on your business’s needs.
In some cases, yes — we guide you on how to structure the policy so it’s tax-efficient and compliant with HMRC rules.
Key Person Insurance protects the business from financial loss. Shareholder protection ensures ownership continuity if a shareholder dies or becomes ill.
Your team is your greatest asset — and protecting their health, income, and families builds a stronger, more resilient business. At Rite Wealth, we help business owners offer meaningful protection benefits that go beyond compliance and show real care for their people.
FAQs
It’s a policy that pays a lump sum (typically 2–4x salary) to an employee’s family if they pass away while employed — a valuable, low-cost benefit.
PHI gives employees access to private healthcare — reducing waiting times, improving outcomes, and supporting faster returns to work.
Not necessarily. We help you design cost-effective cover that delivers real value to your team and fits your budget.
Yes — most premiums are tax-deductible for the business, and we help structure benefits to minimise employee tax exposure.
They show you care about your team’s wellbeing — helping you stand out as an employer and build long-term loyalty.
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Plain answers to the questions business owners ask us most.
