Protect the ownership of your business and the people behind it.
When you build a business with others, you build more than a company — you build a shared future.
But what would happen if one of your shareholders passed away or became critically ill? Without a plan in place, their shares could transfer to their estate, leaving surviving shareholders without control, and families without clarity or financial security.
At Sage Financial, we help you safeguard your business against this uncertainty.
Our Shareholder Protection ensures that if a business owner dies or is diagnosed with a serious illness, the remaining shareholders have the funds — and the legal structure — to buy back their shares smoothly and fairly.
It protects the business. It protects the family. It protects the partnership you’ve built.
What is Shareholder Protection?
Shareholder Protection is a form of business life insurance that provides a lump-sum payout to the surviving business owners if a shareholder dies or becomes critically ill.
The payout allows remaining shareholders to:
Buy the shares of the deceased or ill shareholder
Maintain control of the business without external interference
Provide fair value to the shareholder’s family or estate
Ensure continuity for clients, employees, and investors
In short — it gives you a clear, agreed plan for the worst-case scenario, so your business remains stable and ownership stays where it belongs.
Who needs shareholder protection?
Any business with multiple shareholders or directors should consider it.
It’s designed for:
Limited companies with more than one shareholder
Partnerships where ownership or profit share could be affected
Family-run businesses looking to protect generational ownership
SMEs where each director plays a vital role
If your business would struggle financially or structurally if a shareholder passed away, shareholder protection is essential.
How it works
Each shareholder is covered for the value of their shares.
If one dies or is diagnosed with a critical illness, the policy pays out a lump sum.
The payout funds a share purchase — guided by a legal agreement set up in advance.
This ensures the right people retain control and the family of the shareholder receives fair compensation, without disputes or financial stress.
Trusted by the UK’s Leading Providers
We work with a wide range of top-tier insurers across life, income protection, and private medical insurance — so you get advice that’s independent, tailored, and truly in your best interest.
Some of the providers we work with include: Vitality, Zurich, Royal London, Cirencester Friendly, Holloway Friendly, Guardian 1821, British Friendly, LV=, AXA Health, Bupa, and more.
Let’s protect your business
Whether you are just starting out or running an established company, we will help you build a protection plan that supports your people and strengthens your future.
Speak to our team
Call 01202 788335
Email hello@sage-financial.co.uk
Why choose Sage Financial?
We do more than find policies. We learn about your business, identify the people who drive it, and tailor cover to match your risk and your goals. Our advisors explain everything clearly and support you through the full journey — from setup to claim.
We only work with trusted insurers and always prioritise policies with strong claims reputations. Because when the time comes, you need to know it will pay out quickly and without hassle.