Share protection through life assurance

Directors' or partners' share agreements may provide for the remaining directors to purchase the shares of other shareholding directors should they die. However there is a risk that the remaining directors may not have sufficient funds to hand when a fellow director passes away unexpectedly.

One solution to this is to take out life cover as a source of funding.

To arrange such cover requires the understanding and agreement of all concerned. It will also require some careful calculations to determine how much cover is required.

However, it will be a comfort to all directors or partners of a business to know that their own or a colleague's death will leave the other directors with sufficient support to carry out the terms of their shareholders' agreement.

This type of policy can also include critical illness for protection in the event that a director or partner is forced to leave due to illness.

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THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

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A LIFETIME MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. TO UNDERSTAND THE FEATURES AND RISKS, ASK FOR A PERSONALISED ILLUSTRATION. EQUITY RELEASE WILL REDUCE THE VALUE OF YOUR ESTATE AND MAY AFFECT YOUR ENTITLEMENT TO MEANS TESTED BENEFITS.

What were the circumstances that caused you to initially look for an adviser?
For our mortgage application

How has Jenny Whyte helped you?
With the mortgage application and made the entire process so much easier and speedy.

Have you seen the outcome you were hoping for?
Yes we were able to purchase our property within a two month period

What could they have done better?
Nothing as Jenny was excellent and I have since referred her to others

Jenny's reply
Thanks Linda and for recommending me to your friends! I will be in touch soon to discuss your remortgage.

Review from verified client
London - June, 2023

What were the circumstances that caused you to initially look for an adviser?
We've used Jenny before to help secure a mortgage, so when our fixed term was coming to an end, we were happy to use her services again.

How has Jenny Whyte helped you?
she helped us renew our mortgage.

Have you seen the outcome you were hoping for?
Yes, we're on the best fixed rate we could have achieved under the economic circumstances.

Jenny's reply
Thanks Kate for the review. I hope you have a fantastic special birthday celebration in July!

Review from verified client
Surrey - June, 2023

What were the circumstances that caused you to initially look for an adviser?
We initially contacted Jenny to find out about mortgage options for us.

How has Jenny Whyte helped you?
Jenny has gone above and beyond to support us in our first house purchase together. From navigating mortgage options that suit us and not pushing us into just any deal to thoroughly explaining all the different options when it comes to insurance and protection. She has also been incredibly helpful when our initial sale fell through. She kept us in the loop, every step of the way and responded to our queries and questions with lightening speed and has always been available when we needed her. She has given us exceptional service throughout.

Have you seen the outcome you were hoping for?
Yes.

What could they have done better?
Nothing. Honestly, everything has been perfect.

Jenny's reply
Thank you Victoria and Graham for the lovely review. Fingers crossed for a smooth house move!

Review from verified client
Kent - May, 2023

What were the circumstances that caused you to initially look for an adviser?
We was after some help in finding the best mortgage interest rates and advice on what type of mortgage to go for.

How has Jenny Whyte helped you?
Jenny helped us by explaining different types of mortgages and their pro’s and con’s. She also managed to find us mortgages that accept price work which was helpful. Jenny managed to get us a rate we was happy with.

Have you seen the outcome you were hoping for?
Yes

Jenny's reply
Thank you James and Jasmine for the lovely review, it's been fantastic to work with you both. I hope the house move goes smoothly!

Review from verified client
Kent - May, 2023

What were the circumstances that caused you to initially look for an adviser?
Remortgage

How has Jenny Whyte helped you?
Advised on available mortgages

Have you seen the outcome you were hoping for?
Yes

What could they have done better?
Nothing

Review from verified client
Kent - April, 2023

How We Can Help.

See below for the services we offer

Mortgages

Whether you're a first time buyer, looking to remortgage or buy-to-let, we can help.

Protection

Protect yourself and your family financially, we can help.

Business Protection

Every business needs to protect itself. For most businesses the most valuable asset it has is its people. 

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or call us
07855 767968
 

07855 767968
21 Otteridge Road,
Bearsted,
Maidstone ME14 4JR.

jenny.whyte@roseacremortgages.co.uk