Protection & Risk Management

Protection Planning — Safeguarding What Matters Most

Life and business are unpredictable — but your financial security shouldn’t be. At Buckley Financial Services, we design protection strategies that ensure your wealth, business, and loved ones are safeguarded against life’s unexpected events. From shareholder and key person insurance to life and critical illness cover, our role is to provide financial certainty when it’s needed most.

Whether it’s protecting a multi-million-pound business from disruption or ensuring your family’s home and lifestyle remain secure, the right protection policy forms the foundation of true financial planning. Because real peace of mind isn’t just about what you earn — it’s about what you can protect.

Business Protection
Shareholder Protection

If a shareholder or business partner passes away unexpectedly, their family’s financial future — and your business’s continuity — can be at risk. Shareholder protection provides the funds for surviving shareholders to buy back shares and ensure the family receives the true value of their loved one’s stake. It prevents ownership disputes and preserves business stability during difficult times.

Example: A business worth £8 million was protected when a shareholder passed away. A policy provided £4 million to his family, reflecting their shareholding value — ensuring both the family’s wealth and the company’s future were secure.

Key Person Insurance

Your business’s success often depends on a handful of key individuals. Key person cover ensures that if a vital director, executive, or specialist dies or becomes critically ill, the business receives financial support to cover lost revenue or the cost of replacing their expertise. It’s about protecting profit, continuity, and confidence in your business.

Personal Protection
Life Insurance

Life insurance provides financial security for your loved ones when it’s needed most. Whether to pay off a mortgage, maintain a family lifestyle, or protect future aspirations, this cover ensures your family’s stability in the face of loss.

Critical Illness Cover

Critical illness cover pays a lump sum if you’re diagnosed with a serious medical condition such as cancer, heart attack, or stroke — offering immediate financial relief when income and stability are most at risk.

Example: A young couple initially viewed their critical illness policy as an unnecessary cost. Less than a year later, a cancer diagnosis triggered a payout that cleared their mortgage and allowed them to take a much-needed family holiday during recovery.

Why It Matters

Protection planning isn’t just about insurance — it’s about ensuring continuity, dignity, and choice when life changes unexpectedly. Whether you’re running a business, building wealth, or supporting your family, the right cover ensures that your plans continue, no matter what.

At Buckley Financial Services, we make protection personal — ensuring every policy is tailored to your needs, assets, and ambitions.