About Blythswood Associates

When it comes to your future, it is important to invest in planning. We believe that if you invest in expert financial planning, it will help you achieve your financial goals and secure the future you want.

Whether you are starting out in your career, looking to buy your first home, saving for your child’s education or heading towards retirement, we are here to help you at every step of life’s key milestones.

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The death or serious illness of a key director or employee can have far-reaching or even disastrous consequences for a business. It can result in:

Loss of profits
The recall of loans
Reduced capacity
Loss of key clients/contacts
Reduced practical know-how

Having the correct insurances in place and making sure that they are regularly reviewed and updated as your business changes can be a particularly onerous task.

As part of our corporate service, we will undertake an in depth review of your business and work with you to implement a tailored insurance programme to help protect your business from a wide range of risks.

Determine if key person assurance is necassary

Key person assurance is not a product. It is an application of insurance designed to maintain profitability and/or secure a company's continuity. Its aim is to provide the replacement costs of an individual whose loss from the company through death, disability or serious illness would have a significant impact on the company's profits, turnover or continuity through any, or a combination of, loss of :

Good will
Technical skills/knowledge
Client relationships
Financial arrangements
Expansion opportunities of specific business projects

Identifying key personnel

The considerations to make in identifying your key personnel will vary, depending on the size and nature of your business. The following flowchart may assist with this:

Identifying Key Personnel - Corporate Planning

If you should wish to discuss how we could help you, please contact us for further details.