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Business Protection

In every success story you will find someone who has made many courageous decisions.

Building a business involves lots of effort, lots of hard graft and lots of good people. Business Protection helps to underpin your business against events such as the death / serious illness / incapacity of key personnel in your business.

It also allows you to offer additional benefits to your employees to secure their loyalty and continued service. The cost of providing benefits to your Employees can be very tax efficient.

Keyperson Insurance

Many companies succeed primarily because of a number of key employees – whose value to the business is considerable

You can arrange to take out Keyperson Insurance which means that in the event of the key employees death (or illness) a lump sum is paid to your business and you can use these funds to offset the financial loss that may occur on such an event. The company can pay directly for this cover and may receive corporation tax relief on such payments.

Full Circle Financial Services Limited can help you determine the exact needs for your business.

Co-Directors Insurance

The death or serious illness of a partner / co-director can result in major financial problems for a business. The deceased partners family may wish to sell the deceasd partners share of the business.

However a Co-Directors Insurance Plan allows you to insure your fellow directors / partners for a sum equal to their value of the business and the life assurance proceeds can then be used by the suriving partners to purchase the deceased partners share.

Full Circle Financial Services Limited can help you put this cover in place and ensure your business receives the right amount of money at the right time in the right hands.

Group Life Cover

Many Employers would like to provide life cover for their employees which can then protect their employees families in the event of that employees premature death.

The cost of such cover is extremely reasonable and is greatly valued by employees – especially employees with younger children.

At Full Circle Financial Services Limited we can go to the market and ensure that any scheme you might put in place meets your requirements exactly.

Group Income Protection

Many Employers may be unable to continue to pay their employees salary if that employee was unable to work for a prolonged period.

Group Income Protection is an arrangement which pays out a percentage of the employees salary for the duration of their absence (saving the employer those costs).

At Full Circle Financial Services Limited we can go to the market and ensure that any scheme you might put in place meets your requirements exactly.

Full Circle Financial Services Limited is regulated by the Central Bank of Ireland – C130136