Business Clients

Services We Offer

Corporate Pension Planning

75point3 advise on group arrangements, including Executive Pensions, Small Self Administered Pensions, Group Personal Pension Plans, Stakeholder Pension Schemes, and Self Invested Personal Pensions.

Directors may prefer to establish a separate pension plan from that of their employees. The reasons for this are that the term of their employment may be a fixed number of years, their tax position may be more complicated than other employees, or they may prefer to set up a form of self administered scheme more suitable to their circumstances.

Directors and partners may also wish to leverage their company pension scheme at some stage to raise funding for the business. This may be a more tax and cost efficient way of funding the acquisition of commercial property.

Key Person Protection

The death or long term illness of a key employee can have a devastating effect on the future of a business and 75point3 can arrange cover to assist a company in such occurrences.

Directors and employees with highly specialist skills or knowledge are key employees of the companies they work for. To lose one through an unforeseen departure can be damaging to the business. That is why taking out a keyperson insurance to protect the company is a wise move.

Keyperson insurances can provide several benefits. These can include:

  1. Paying the costs of a temporary replacement
  2. Meeting the costs of recruiting a permanent replacement
  3. Covering the cost of death or incapacity of a key member of staff.

The full scope of cover will depend on the type of policy purchased but companies ignore the risks of losing key staff at their peril. Shareholders, bank managers, suppliers and customers may not be so laid back.

Share Protection

It is common to find that shareholders make plans for passing on their shares either before or after retirement. However, it is also important to ensure that sudden death of a share holder does not cause adverse financial predicaments for the remaining shareholders. 75point3 are able to advise on suitable protection plans.

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 way round 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 figure work to determine how much cover is required.

Employee Death in Service

The provision of a Death in Service Scheme for employees is a useful way of providing financial security for staff and their families. 75point3 can advise on the various ways of providing this cover.

Services We Offer

Corporate Pension Planning

75point3 advise on group arrangements, including Executive Pensions, Small Self Administered Pensions, Group Personal Pension Plans, Stakeholder Pension Schemes, and Self Invested Personal Pensions.

Directors may prefer to establish a separate pension plan from that of their employees. The reasons for this are that the term of their employment may be a fixed number of years, their tax position may be more complicated than other employees, or they may prefer to set up a form of self administered scheme more suitable to their circumstances.

Directors and partners may also wish to leverage their company pension scheme at some stage to raise funding for the business. This may be a more tax and cost efficient way of funding the acquisition of commercial property.

Key Person Protection

The death or long term illness of a key employee can have a devastating effect on the future of a business and 75point3 can arrange cover to assist a company in such occurrences.

Directors and employees with highly specialist skills or knowledge are key employees of the companies they work for. To lose one through an unforeseen departure can be damaging to the business. That is why taking out a keyperson insurance to protect the company is a wise move.

Keyperson insurances can provide several benefits. These can include:

  1. Paying the costs of a temporary replacement
  2. Meeting the costs of recruiting a permanent replacement
  3. Covering the cost of death or incapacity of a key member of staff.

The full scope of cover will depend on the type of policy purchased but companies ignore the risks of losing key staff at their peril. Shareholders, bank managers, suppliers and customers may not be so laid back.

Share Protection

It is common to find that shareholders make plans for passing on their shares either before or after retirement. However, it is also important to ensure that sudden death of a share holder does not cause adverse financial predicaments for the remaining shareholders. 75point3 are able to advise on suitable protection plans.

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 way round 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 figure work to determine how much cover is required.

Employee Death in Service

The provision of a Death in Service Scheme for employees is a useful way of providing financial security for staff and their families. 75point3 can advise on the various ways of providing this cover.