Future Forecast
Take control of your financial future with Gower’s Future Forecast
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Business Protection Insurance
Employee Benefit Packages
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Pensions
Explore flexible pension plans and personalised advice.
Plan for a financially secure retirement with expert guidance.
Simplify your retirement planning with expert pension consolidation advice.
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Life Insurance
Essential financial security for your loved ones if you pass away.
Receive a lump sum or regular payments if you're diagnosed with a serious illness.
Replacement income, ensuring you're covered if you are unable to work due to illness or injury.
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Financial Planning
Take control of your financial future with Gower’s Future Forecast
No matter where you are in life, we are here to guide you.
Empowering women with financial confidence
Take control of your financial future with Gower’s Future Forecast
Business Protection Insurance
Employee Benefit Packages
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Business Protection Insurance
Protect your business from financial uncertainty with tailored key-person insurance solutions
Ensure the stability of your business, providing financial security and seamless ownership transitions.
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Employee Benefit Packages
Protect your employees and boost productivity with tailored Private Medical Insurance
Help protect what matters most to your employees
Help preserve your employee's income
Financial support when it matters most
Help your team take control of their finances
Lifelong personal financial planning, pensions, investments and life insurance
Lifelong personal financial planning, pensions, investments and life insurance
Protect the financial stability of your business with Shareholder Protection. Ensure continuity, safeguard ownership structures, and provide financial security in times of uncertainty.
Shareholder Protection is a business insurance policy that provides funds to remaining shareholders to buy shares from a co-owner who has passed away or is critically ill. This ensures business continuity, helps the remaining business owners retain control, and prevents shares from passing to unintended parties, avoiding financial and operational disruption that can cause uncertainty and strain on the business. It can be structured through various funding mechanisms, including life insurance policies, cross-option agreements, and company purchase agreements.
Business Continuity
Prevent disruption by ensuring a smooth transfer of shares.
Financial Security
Avoid unexpected financial strain with a structured protection plan.
Tax-Efficient Solutions
Structuring policies correctly can bring potential tax benefits.
Bespoke Advice
Tailored solutions to fit your business’s needs and structure.
A policy is taken out on each shareholder, ensuring that if one passes away or becomes critically ill, funds are available for remaining shareholders to purchase the shares. Legal agreements dictate how shares are transferred, preventing external ownership issues.
Any business with multiple shareholders should consider Shareholder Protection. It is especially crucial for SMEs, family-run businesses, and partnerships where ownership control is key to stability.
Without Shareholder Protection, the deceased’s shares could pass to their family, creating financial and decision-making challenges. This can lead to loss of control, legal disputes, or forced business sales.
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