Key Person Insurance — The Business Protection Most Companies Overlook

by johnireland | Business Builder

Fewer than one in five small businesses have key person insurance — yet every business has someone whose sudden absence would cause serious financial damage. Key person insurance pays a lump sum to the business when a critical individual dies or is diagnosed with a...

Key Person Insurance — The Policy That Prevents a Business Crisis Becoming a Financial Catastrophe

by johnireland | Articles

Every business has at least one person whose sudden absence would cause serious damage — yet most businesses have no financial plan for that scenario. Ask any business owner what would happen if they were suddenly unable to work — through illness, injury, or death —...

Cohabitation and Inheritance — The Legal Gap That Catches Millions of Couples

by johnireland | Legal Spotlight

More than 3.6 million couples in England and Wales live together without being married — and most have no idea how little legal protection they have if one of them dies. There is no such thing as “common law marriage” in English law. If your partner dies...

Cohabitation and Inheritance — Why Unmarried Partners in England and Wales Have Almost No Automatic Rights

by johnireland | Articles

There is no such thing as a “common law spouse” in English law — and the consequences for unmarried couples who do not plan ahead can be catastrophic. Despite decades of social change, the law in England and Wales has not kept pace with the way people...

Why Your Pension Nomination Form May Quietly Override Your Will

by johnireland | Estate Planning Essentials

You updated your Will after the divorce. But did you update your pension nomination? Most people do not — and the consequences can be devastating. Pension death benefits and life insurance payouts are typically controlled by nomination forms, not by your Will. These...