Family Shield Financial Ltd

08/06/2026

A tradesman with no income protection is one bad injury away from a financial mess.

That sounds dramatic.

But it is not.

It is just the reality.

If you are on the tools, your income depends on your body working.

Back injury.

Knee injury.

Shoulder injury.

Broken hand.

Serious illness.

Even something that is not life threatening can still stop you earning.

And when you are self employed, there is often no proper sick pay waiting in the background.

No employer carrying you.

No HR department.

No comfortable monthly income landing while you recover.

Just bills.

Mortgage.

Van finance.

Food.

Fuel.

Kids.

Tax.

And the pressure of trying to get back to work before your body is actually ready.

This is where Income Protection can matter.

It can pay a monthly income if you are unable to work due to illness or injury.

Not a lump sum.

Not a one off payout.

A proper monthly payment designed to help keep life moving while you recover.

And for tradesmen, this should be one of the first things looked at.

Because your tools do not earn without you.

Your van does not earn without you.

Your business does not earn without you.

Protecting your income is not soft.

It is not over cautious.

It is basic financial planning when your body is the engine of the business.

For More Advice Or Support :-
[email protected]
07816930292

Call now to connect with business.

06/06/2026

£500,000 of life cover paid personally could be costing more than it needs to.

This is one of the most common things I see with company directors.

They have life insurance.

They are paying it from their personal bank account.

And nobody has ever explained there may be a more tax efficient way to arrange it through the business.

Relevant Life Cover can allow a limited company to pay for life insurance for a director or employee.

The premiums are usually treated as a business expense, subject to the usual rules.

There is normally no personal income tax.

No National Insurance.

No benefit in kind.

And the policy is written into trust, so the money is designed to go to the family rather than sitting inside the estate or company.

That bit matters.

Because life insurance is not just about having a policy.

It is about making sure the money gets to the right people, in the right way, at the right time.

I have seen far too many people paying personally for cover when they run a limited company and could potentially have arranged it better.

It does not mean Relevant Life is right for everyone.

But if you are a company director and you have personal life insurance, it is absolutely worth reviewing.

Not because the old cover is automatically wrong.

But because nobody wants to find out years later they have been paying in the least efficient way.

For Advice Or Support :-
[email protected]
07816930292

Call now to connect with business.

04/06/2026

A £50,000 director off work for 6 months can become a serious cash flow problem very quickly.

Not just personally.

For the business too.

A lot of small company directors take a low salary and dividends.

They assume if they get ill, they will just keep taking money from the business.

But that only works if the business can afford it.

What if you are the main person bringing in work?

What if sales slow down?

What if the company still has wages, tax, rent, vehicles, software, suppliers and loans to pay?

Suddenly your illness is not just a personal problem.

It becomes a company problem.

Executive Income Protection can be set up through the business to provide a monthly income if a director is unable to work due to illness or injury.

It can cover up to a large percentage of income, including salary and dividends, depending on provider and circumstances.

The policy pays the company.

The company can then continue paying the director.

It is basically company funded sick pay for people who usually do not have proper sick pay.

Most directors protect their vans, laptops, tools, stock and premises.

But the person driving the whole thing?

Often left completely exposed.

If your income disappearing for 3 months, 6 months or longer would put pressure on your family or your business, it is worth looking at properly.

Not when something has already happened.

Before.

For Advice or A Free Review :
[email protected]
07816930292

Call now to connect with business.

31/05/2026

A company director pays £35 a month personally for £300,000 of life insurance.

He has a wife.

Children.

A mortgage.

And a profitable limited company.

The cover itself matters.

If he dies, his family needs the money.

But nobody has ever checked whether he should be paying for it personally in the first place.

Every month, he takes money out of the business, pays tax on that income, and then uses what is left to fund life cover for his family.

A Relevant Life policy can allow the company to pay for life insurance for a director or employee instead.

When set up correctly, the premium is usually treated as an allowable business expense, without the director funding it from their own taxed income.

The policy is also written in trust, so the money is directed to the family it was intended to protect.

This is not about buying insurance purely to save tax.

It is about getting the family protection right first, then making sure the director is not paying for it in a needlessly inefficient way.

A lot of company directors already have life insurance.

That does not always mean it is structured properly.

If you are a limited company director paying personally for life cover, speak to me directly and I will check whether there is a more suitable way to arrange it through your business.

📞 07816930292
📧 [email protected]

29/05/2026

A business is worth £600,000.

It has 2 directors who own 50% each.

One of them dies unexpectedly.

His shares, worth around £300,000, pass into his estate.

His family are grieving.

His business partner is trying to keep the company running.

And suddenly, nobody knows what happens next.

Does the family want to keep the shares?

Do they want money out of the business?

Can the surviving director afford to buy them?

Would the shares eventually be sold to someone else?

Because without the right planning, the surviving director may no longer control who owns half of the company they built.

And the family may be left holding a valuable asset that they do not understand, cannot work in, and may desperately need to turn into cash.

Shareholder Protection can provide the funds for the surviving director to buy the shares from the deceased director’s family.

The family receives fair value for the shares.

The surviving director keeps control of the business.

And one of the hardest situations imaginable does not also become a financial and ownership mess.

Most business owners have spent years building their company.

Far fewer have protected who would own it if one of them did not make it to retirement.

If you own shares in a limited company with someone else, speak to me directly about how Shareholder Protection could work for your business.

📞 07816930292
📧 [email protected]

27/05/2026

A company director earning £65,000 a year gets signed off work for 12 months.

His mortgage is £1,450 a month.

Most of his income comes from the business he has spent years building.

His first thought is understandable.

“I own the company. I can still pay myself.”

But the business account is not his personal sick pay fund.

That money is there for wages, VAT, corporation tax, suppliers and keeping the company running.

Now the business has 2 problems.

The person generating the income is no longer able to work.

And the company is being drained to keep his household afloat.

That can work for a month or 2.

But what about 6 months?

What about 12?

Executive Income Protection can be arranged through the company to protect up to 85% of a director’s income, including salary and dividends, if illness or injury stops them working.

So instead of relying on company reserves to cover the mortgage and bills, there is a policy in place specifically designed to fund that income.

Owning the business does not mean you have unlimited sick pay.

Sometimes it just means there is more at risk.

If you are a limited company director and your income would be exposed if illness stopped you working, speak to me directly.

I can show you what cover could look like and what it would cost through your company.

📞 07816930292
📧 [email protected]

30/03/2026

We’ve been a bit quiet on here lately.

Not because we’ve stopped.
Because we’ve been busy dealing with real situations behind the scenes.

People thinking they were covered… and finding out they weren’t.
Policies that wouldn’t have paid out the way they expected.
Families and business owners realising a bit too late that no one had actually explained this properly.

The photo is from a recent insurance event we were invited to, recognising the work we’ve been doing.

Nice to be recognised, but the reality is most of our time is spent in the situations above.

This is what we do.

We make sure there’s money in place if:

You die
You get seriously ill
You can’t work

Simple.

But doing it properly is where most people get it wrong.

We spend a lot of our time fixing things like:

Policies set up the wrong way
No trust in place
Cover that doesn’t match someone’s actual situation
People paying personally when it could be done far more efficiently through their company

For families, it’s about making sure the house is secure and life can carry on financially.

For business owners, it’s about making sure everything you’ve built doesn’t fall apart if you’re not there.

This isn’t complicated.
It’s just rarely explained properly.

If you’ve already got cover, there’s a good chance it’s worth reviewing.
If you haven’t sorted anything yet, you’re taking a bigger risk than you probably realise.

If you want us to take a look, just drop us a message or get in touch

[email protected]

[email protected]

Call now below.

28/02/2026

Last week we sat down with two friends who had built a company from nothing.
10 years of stress.
Long nights.
Missed family time.

The business was now worth around £500,000.

But here is the uncomfortable truth.

If one of them died tomorrow, the surviving director would be in business with the deceased person’s family.

No plan.
No control.
No stability.
No £250k sitting in the bank to rebuy shares.

So we broke it down properly.

First, shareholder protection.

The business pays for life cover on both directors.

If one dies, the surviving shareholder has the money to buy the shares.
The family gets paid.
The business stays in safe hands.

No arguments.
No legal chaos.

Second, key person insurance.

If either director died, the company would take a financial hit.
Lost relationships.
Lost knowledge.
Lost revenue.

This policy gives the business cash to stabilise, recruit or survive the shock.

Third, personal protection through the company.

Relevant life insurance.
Executive income protection.

Now they have full sick pay funded by the business.
If illness strikes, their income continues.
The business survives.
Their family survives.

if they die family get a large lump sum.

And yes, the premiums reduce corporation tax and avoid personal tax where structured correctly.

This is what real protection looks like.

Not random policies.

A strategy.

Because building a business is hard enough.
Losing it because of poor planning is just stupid.

If you run a business and have never had this conversation, you are gambling with everything you have built.

Message me if you want a clear breakdown of your risks.

06/01/2026

As we step into a new year I just want to wish everyone a healthy successful and positive year ahead.

January is often when people finally get chance to pause and look at things they have been putting off.

Important documents.

Policies that were set up years ago.

Cover that might no longer match their life today.

People not factoring the cost of living and inflation into their protection needs.

If you're a parent, have a family or have a mortgage it is worth making sure what you have in place actually still does what you think it does.

We are now booking free insurance reviews over the next few months.

These are relaxed no pressure appointments where we simply go through what you have or talk you through options if you have nothing in place yet.

This is just as suitable for...

People with existing policies who want clarity.

Families who want to make sure they are properly protected.

Homeowners with a mortgage.

Anyone who wants straightforward advice without sales pressure.

If you would like to book a review or just have a conversation feel free to message the page.

Here is to getting things organised and starting the year properly.