Contact Your Local Branch
CITY EAST, BELFAST: 028 9560 9410
LISBURN ROAD, BELFAST: 028 9521 9351
ORMEAU ROAD, BELFAST: 028 9521 9349
LURGAN: 033 0133 0758
Business Protection | Shareholder Insurance | Key Person Insurance
Business Protection
Business Protection is vital to ensure the future survival of businesses, and forms an integral part of future planning. It is a way of helping to protect against possible financial losses in the event of the death or a specified critical illness of a business owner or key person, during the term of the policy. It also pays out on diagnosis of a terminal illness.
Business Protection can help ensure that your business survives during difficult circumstances.

Business Protection Products
- Key Person Protection – Protects your business against the financial effects of the loss of a key person or member of staff
- Business Loan Protection – Will pay off outstanding overdrafts, loans or debts insured against the loss of the guarantor
- Shareholder Protection – helps partners, directors and members buy a deceased persons share of the business, which may otherwise be be passed in to the deceased’s estate
Relevant Life Plan
Relevant Life plans are individual life cover policies. They’re designed to enable employers to offer tax efficient death-in-service benefits to their employees outside of a registered group life scheme. They are also used for high-earning employees who have substantial pension funds and want their death-in-service benefits to sit outside of their lifetime allowance.

Other tax advantages of Relevant Life plans:
- The payments made won’t form part of the employee’s annual pension allowance.
- The premiums aren’t normally subject to income tax because they’re not assessed as a benefit in kind.
- The premiums can be treated as an allowable expense for the employer in calculating their tax liability, as long as the local inspector of taxes is satisfied they qualify under the ‘wholly and exclusively’ rules.
- In most cases the benefits are paid free of inheritance tax because the policy is written in trust and the benefits are paid through that trust.
- The policy is owned by the business and the business pays the premiums. The life assured is usually a key person within that business. The policy is written in trust for the dependants of the life assured.

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You consent to us storing and using your name, email address, IP address and phone number for the purposes of responding to your enquiry. For more information please see our privacy policy.
We will never share your information with a 3rd party. We hate spam just as much as you do!
Why Choose Us
We are the Number 1 reviewed (five star) Mortgage Advice company in Belfast and beyond by Google. Contact us today for trusted advice.
We are familiar with the lending criteria for all of the major lenders, we look out for pitfalls and problems on your behalf and increase your chances of having a successful mortgage application.
We offer independent advice, and can find you the best deals available for your circumstances!
Book your free Business Protection Review
Book NowRequest a callback
Data notice:
You consent to us storing and using your name, email address, IP address and phone number for the purposes of responding to your enquiry. For more information please see our privacy policy.
We will never share your information with a 3rd party. We hate spam just as much as you do!
Why Choose Us
We are the Number 1 reviewed (five star) Mortgage Advice company in Belfast and beyond by Google. Contact us today for trusted advice.
We are familiar with the lending criteria for all of the major lenders, we look out for pitfalls and problems on your behalf and increase your chances of having a successful mortgage application.
We offer independent advice, and can find you the best deals available for your circumstances!
From Our Clients
"Cannot recommend this mortgage adviser highly enough. I came across Helmut’s website after searching online, and I am so pleased that I made contact. Being a first time buyer, I was apprehensive about the options available to me. My first point of contact in looking into a mortgage was with my own bank, I then compared this to a few other highstreet banks, but I was not pleased with the options that they were offering. When I first met with Helmut, I explained my financial position to him and he was confident that he could assist me. He found several mortgages that I was eligible for, and they were at a considerably different amount than the banks offered me initially." read more..
"As a first time buyer I was nervous about the house buying process. Helmut, mortgage advisor belfast at The Mortgage Clinic made the whole thing stress free and was very efficient with every detail. He organised both my mortgage and insurances, providing great mortgage advice and getting the best deals for me. I would like to thank Helmut for being so accommodating when meeting me and so meticulous meaning I didn’t have to worry about anything. I would definitely recommend anyone to use this service ?"
"We sourced Helmut Elstner as our mortgage adviser. We were first time buyers and very new to the process. Helmut from The Mortgage Clinic was able to provide the guidance we needed and process all information in our home and at times that suited us. He was always in constant communication and was able to find us the best mortgage deals available in a very short space of time. His advice fee was very reasonable compared to any other mortgage adviser we had met. The mortgage he suggested was perfect for what we needed. The process felt much easier with Helmut on side and proceeded at a great pace. We would advise anyone to use Helmut from The Mortgage Clinic for any mortgage or financial needs, a five star service!"
"I would highly recommend The Mortgage Clinic to anyone. Helmut dealt with my first mortgage and then re-mortgage in a very professional and efficient manner. Dealing with an independent mortgage advisor gave a flexibility to pick tailored product that worked for me. Helmut brought to my attention details I would have never considered and saved me a lot of money and hassle.
I felt well looked after and that my needs were the priority. The best mortgage advisor I have ever came across and I have high confidence in his services.
Thank you !"
Recent Posts
Why do businesses need public liability insurance?!
What is public liability insurance and who needs it? Disasters don't just happen to other people. Well they do, but they can most definitely, happen to you as well, so it's important you plan ahead should disaster strike. This is why it is important for...
Have you done your homework before buying a property?
Buying your first property is an incredibly exciting time.... But we can get caught up in the emotion and fail to do some essential homework! Prior to viewing a Property Arrange a mortgage planning appointment to ensure there will be no issues gaining a mortgage and...
Sick Pay For the Self Employed: Income Protection Insurance
Each year 1 million people in the UK find themselves unable to work due to serious illness or injury (money advice service 2017), and for those that are self employed there is no option of employer sick pay available. Income Protection Insurance is designed to pay a...
More Good News for First Time Buyers
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How to repay your Mortgage early
A mortgage is probably the largest commitment that we will ever take out over the duration of our lives, and if taken out over 25 or 30 years we are never truly are free of the largest monthly commitment until it is repaid in full. Of course taking out a mortgage and...
Why do businesses need public liability insurance?!
What is public liability insurance and who needs it? Disasters don't just happen to other people. Well they do, but they can most definitely, happen to you as well, so it's important you plan ahead should disaster strike. This is why it is important for...
Have you done your homework before buying a property?
Buying your first property is an incredibly exciting time.... But we can get caught up in the emotion and fail to do some essential homework! Prior to viewing a Property Arrange a mortgage planning appointment to ensure there will be no issues gaining a mortgage and...
Sick Pay For the Self Employed: Income Protection Insurance
Each year 1 million people in the UK find themselves unable to work due to serious illness or injury (money advice service 2017), and for those that are self employed there is no option of employer sick pay available. Income Protection Insurance is designed to pay a...
More Good News for First Time Buyers
Stamp Duty Axed for Most First Time Buyers The Chancellor recently announced with immediate effect, that first time buyers will pay 0% stamp duty on the first £300,000 for property purchases up to £500,000 in the autumn budget. This will come as welcome news in...
How to repay your Mortgage early
A mortgage is probably the largest commitment that we will ever take out over the duration of our lives, and if taken out over 25 or 30 years we are never truly are free of the largest monthly commitment until it is repaid in full. Of course taking out a mortgage and...
The Mortgage Clinic
The Mortgage Clinic is a trading style of The Mortgage & Finance Clinic Ltd who are authorised and regulated by the Financial Conduct Authority, company registration number 784955
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Contact Us
The Mortgage Clinic
68-72 Newtownards Road
City East Business Centre
Belfast
BT4 1GW
028 9560 9410
The Mortgage Clinic
182 Lisburn Road
Belfast
Antrim
BT9 6AL
028 9521 9351
322A Ormeau Road
Belfast
Antrim
BT7 2GE
028 9521 9349
The Mortgage Clinic
29 Union Street
Lurgan
Craigavon
BT66 8DY
033 0133 0758
The Mortgage Clinic
322A Ormeau Road
Belfast
BT7 2GE
028 9521 9349
The Mortgage Clinic
29 Union Street
Lurgan
Craigavon
BT66 8DY
033 0133 0758

City East Office - 68 - 72 Newtownards Road | City East Business Centre | Belfast | BT4 1GW | Tel: 028 9560 9410
Lisburn Road Office - 182 Lisburn Rd | Belfast | BT9 6AL | Tel: 028 9521 9351
Ormeau Road Office - 322A Ormeau Road | Belfast | BT7 2GE | Tel: 028 9521 9349
Lurgan Office - 29 Union Street | Lurgan | Craigavon | BT66 8DY | Tel: 033 0133 0758

@2019 The Mortgage Clinic
City East Office
68 - 72 Newtownards Road
City East Business Centre, Belfast
BT4 1GW
Tel: 028 9560 9410
Lisburn Road Office
182 Lisburn Rd, Belfast
BT9 6AL
Tel: 028 9521 9351
Ormeau Road Office
322A Ormeau Road, Belfast
BT7 2GE
Tel: 028 9521 9349
Lurgan Office
29 Union Street, Lurgan
Craigavon
BT66 8DY
Tel: 033 0133 0758