FAB Assurance has advised clients of all sizes, from one-person consultancy firms to groups with over 3,000 staff and turnover of £100m p.a.

Our clients include fashion retailers, accountants, dentists, steeplejacks, pharmacists and leading firms in medical technology, property development, commodity trading, oil & gas services, structural engineering… and insurance broking.

If your sector isn’t mentioned… we look forward to welcoming you as a client and adding to this list!

Family First is the ideal solution for a variety of Business Owners looking to protect their Family and their Business in event of death.
Including:

•    Sole Owner Directors
•    Husband & Wife Teams
•    Contractors
•    Multi-Owner Companies

Sole Owner Directors

Where a business is driven largely by the efforts and energy of a sole or majority owner, and whose family is particularly exposed to his or her ‘not being around’.  Family First puts in place a unique financial safety-net, fully protecting  the Owner’s Family.

Husband & Wife teams

In event of death, Family First can’t lessen the grief, but can reduce the financial impact. Would the surviving half of the team want to carry on the business? Could they?  Family First gives the surviving partner the choice of continuing in an unpressurised environment, at least financially, or can give the bereaved spouse the space and time to sell the business asset in a relaxed time-scale.

Contractors

Many people go into Contracting having been previously employed by large employers offering a variety of benefits, including Death-in-Service life assurance cover, which usually peaks at 4 x basic  annual earnings. Family First is the perfect replacement for Death-in-Service cover, and by contrast, Family First can provide cover of up to 30 x total business income.

Multi-Owner Companies

Many of FAB’s client companies are owned by people who have come together to operate a successful Business. When one of these Owners dies, naturally their Family is looking for a timely  financial outcome and Family First is the ideal way to provide substantial  funds in a highly tax-efficient way.