If you would like to make sure that your loved ones are financially cared for when you are gone you should consider life assurance as a part of your financial planning. If your family are dependant on your income then you may also want to consider Income Protection and/or Critical Illness Cover. This will give you peace of mind that those close to you will be looked after if something unexpected comes out of the blue.
Business Protection is often important to provide a lump sum in the event of the death or critical illness of a director/shareholder that can be used by the surviving directors/shareholders to maintain the business. The terms of payment will often be included in a shareholders agreement.