Business Protection for Key Personnel

Independent financial advice that works for you.

Transparent fees. Whole-of-market planning.
Team-based across Scotland.
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Protect Your Most Valuable Assets

Whilst UK businesses routinely insure property and equipment, many overlook their most critical asset: key personnel who drive business performance and profitability.

Aberdein Considine Wealth provides independent advice on key person insurance solutions tailored to your organisation's needs.

What is Key Person Insurance?

Key person insurance protects your business against financial loss if essential employees - such as directors, top-performing sales staff, or specialists with unique skills - die or become critically ill.
The policy pays a lump sum directly to your business to cover:
  • Lost revenue and profits
  • Recruitment and training costs
  • Outstanding loan repayments
  • Business continuity expenses
  • Getting this wrong can result in penalties - but getting it right doesn't have to be complicated.

    Coverage Options

    Standard cover includes:
    Death in service
    Critical illness preventing work
    Total permanent disability
    Enhanced cover with income protection can fund temporary staffing during extended absence periods.
    Speak to Us

    Who Qualifies as a Key Person?

    Any employee whose absence would significantly impact your company's financial performance, including executives, revenue generators, and individuals with specialist expertise essential to operations.

    Our people

    We have a great team of qualified professionals available to support you with your plans. We are always keen to hear from anyone who might be interested in joining our team. Find out more here.

    Need impartial advice?

    Contact Aberdein Considine Wealth to discuss key person insurance for your organisation.
    Book a Consultation
    Copyright © 2025 Aberdein Considine Wealth Ltd (AC Wealth)
    1st Floor, Blenheim House, Fountainhall Road, Aberdeen, AB15 4DT
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    Aberdein Considine Wealth Ltd (AC Wealth) is authorised and regulated by the Financial Conduct Authority, FRN 1012486. Company number SC720631. The FCA does not regulate tax planning, Wills or Trusts. The value of investments can fall as well as rise. The information on this site is intended to be of general interest only and should not be considered as an offer, investment recommendation or solicitation, or advice to engage with any financial instruments. This website is intended for UK audiences only.
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