Why TF Financial Advisers?
The friendly face of insurance services and financial advice.
Common business insurances
Public Liability, Professional Indemnity, Employers Liability. These are insurances that most businesses need as standard. You can set your level cover and the premiums don’t have to cost the earth.
Specialist business insurances
TF also handles more specialist cover such as Shops Insurance, Office insurance and Motor Fleet and Single Business Vehicle. It’s so much easier having everything in one place.
Business Health Insurance
Business Health Insurance ensures your employees are able to make a speedy recovery by receiving prompt medical treatment. Group Life Insurance provides a financial lifeline in the form of a lump sum payment to your employees loved ones should they pass away. Group Income Protection provides your employees with a percentage of their monthly income should they suffer long term illness.
Each individual shareholder can take out separate life cover for themselves. This insures them for a lump sum equivalent to the value of their company shares. They can write this into trust to benefit their co-shareholders as the beneficiaries. Shareholder protection allows business owners to buy shares back from any partner who is diagnosed with a critical or terminal illness, or in the event of death. This policy helps surviving owners stay in control and minimises disruption to the business.
Business Loan Insurance
Business loan insurance provides a cash lump sum to repay an outstanding company loan to ensure business continuity in the event of death or critical illness of a key employee or shareholder. You can protect the full loan or mortgage amount with life cover, or life and critical illness cover. A cash lump sum is either paid to the business or directly to the lender if the policy has been assigned.
Relevant Life Insurance
Relevant Life Insurance is an individual Life Insurance policy designed to replicate Death in Service for a single employee where there are not enough members to warrant a group life insurance scheme. The Relevant Life Insurance Policy is owned by the business. Like a standard life insurance policy, these products pay out a lump sum to the insured person’s beneficiaries on the death of the insured.