Safeguard Your

Business's Future

Capital for Life's insurance solutions offer bespoke key person life insurance coverage, designed to ensure your business's continuity. Tailor-made to meet your unique corporate requirements, it's more than insurance—it's a strategic safeguard for your company's future.

Get Your Personalised IUL Quote

"Carlton has a wealth of knowledge on his offering and the whole CFL team is first class in their work behind the scenes." - James Gormley

"I highly recommend Capital for Life for when it comes to life insurance solutions. The team is extremely knowledgeable & professional." - Gareth Bowkett

"Carlton’s knowledge and expertise is invaluable... A clear communicator who can quickly craft a solution and is unrelenting on a successful delivery.” - Matt Tailford

“Carlton Crabbe and the team at Capital For Life have been an immeasurable asset." - Bob Bhowmik

Navigating Uncertainty

in Business

Safeguarding your business against potential financial setbacks is critical. Unforeseen events can disrupt your company operations and lead to substantial lost revenue. Managing these risks is vital for maintaining business continuity.

Life insurance solutions from Capital for Life help you mitigate your business risks. Whether it's covering lost revenue, servicing company debt, hiring replacement key employees, redeeming business partners' interest, or fulfilling investor obligations, we've got you covered. We ensure the financial security of your business, even if unexpected events arise.

Build with Confidence, Protect your Legacy: Key Person Solutions from Capital for Life

Index Universal Life
Insurance: The Basics

4 MINUTE WATCH

Secure Business Continuity

The loss of a key employee can disrupt operations, damage finances, and put the business at risk. Having key man insurance can help mitigate the financial impact by covering lost revenue.

Replace Lost Income and Profits

A key person's unique talents and relationships often drive significant business revenues. Key man insurance provides cash to compensate for lost profits, enabling your business to maintain its financial stability in the event of a loss.

Secure Business Partnerships and Buyouts

With key man insurance, you can buy out a key employee's stake in the company or acquire a partner's interest, retaining control and pursuing growth.

Secure Business Loans and Financing

Secure loans and financing at more favourable terms backed by key person insurance by strengthening your business's financial position.

IUL for Key Person Executive Planning

What is Indexed Universal Life

Insurance?

Indexed Universal Life Insurance (IUL), often referred to as IUL, is a type of permanent life insurance. Unlike traditional life insurance, IUL offers both a death benefit and the potential for cash value accumulation based on the performance of a stock market index. This unique structure provides flexibility in premium payments and coverage amounts, adapting to your changing financial needs over time.

Get A Personalised IUL Quotation

Benefits of Indexed
Universal Life Insurance

01

Retirement Planning

Not just an insurance policy, but a versatile financial tool. Diversify your investment portfolio while enjoying a safety net against market downturns.

02

Family Protection and Financial Security

Watch your wealth grow tax-deferred. Access your funds tax-free, offering you unmatched financial flexibility for investments, retirement, or unexpected expenses.

03

Financial Security

Secure your financial legacy with high-value life coverage that ensures a smooth and seamless transition of your wealth to the next generation.

Get A Personalised Quote

How IUL Works for

Key Person Executive Planning

Secure Business Continuity

The loss of a key employee can disrupt operations, damage finances, and put the business at risk. Having key man insurance can help mitigate the financial impact by covering lost revenue.

Replace Lost Income and Profits

A key person's unique talents and relationships often drive significant business revenues. Key man insurance provides cash to compensate for lost profits, enabling your business to maintain its financial stability in the event of a loss.

Secure Business Partnerships and Buyouts

With key man insurance, you can buy out a key employee's stake in the company or acquire a partner's interest, retaining control and pursuing growth.

Secure Business Partnerships and Buyouts

Secure loans and financing at more favourable terms backed by key person insurance by strengthening your business's financial position.

Business Retirement Planning

Give key employees a comfortable retirement income after their careers are over with cash value life insurance when the need for business protection ends.

Attract and Retain Top Executives

Secure the best people for your business by offering key man coverage to recruit and keep your top talent.

Working with Capital for Life:

It's as Easy as 1-2-3!

Get a Personalised IUL Quote

01

Fill Out the Form

Begin your journey by providing us with some basic details. This initial information helps us understand your unique needs and aspirations.

02

Personalised Consultation

Once we receive your form, our expert team will reach out for a one-on-one consultation. We'll dive deeper into your financial goals and provide insights on how IUL can be tailored for you.

03

Crafting Your IUL Solution

Based on our discussions, we'll design a bespoke Index Universal Life Insurance plan that aligns perfectly with your family protection objectives, ensuring your peace of mind.

Trusted Expertise at
‍your fingertips

"Carlton’s knowledge and expertise is invaluable in the field of life assurance planning for HNW individuals and families. A clear communicator who can quickly craft a solution and is unrelenting on a successful delivery.”

Matt Tailford

Commercial Director at Hoxton Capital Management

“Carlton is an experienced & learned professional in the life assurance space, who has helped, not only clients but me, navigate the world of high value life assurance through education on the concepts, the application, the processes, and procedures in a clear and concise manner, as to allow me to imbibe others with the same knowledge. He is affable, thoroughly professional and is a pleasure to work with many of my clients and colleagues”.

Raj Srivastava

Executive Director at

Arrow Capital

“Carlton Crabbe and the team at Capital For Life have been an immeasurable asset. Carlton’s experience in structuring solutions for our HNW clients has been a great benefit to our team, and the feedback from our valued clients has been unanimously positive.”

Bob Bhowmik

Chief Operating Office at

SVN Capital

"I've had the pleasure to work with Carlton and the whole team on a number of occasions. I've found them very professional and thorough when preparing UL cases for my clients. Carlton has a wealth of knowledge on his offering and the whole CFL team is first class in their work behind the scenes."

James Gormley

Senior Partner at

Finsbury Wealth

It is a pleasure to work with Carlton at Capital for Life. He and the team are extremely professional and always on hand to provide support when required. Carlton's extensive experience has been key in helping my high-net-worth clients, particularly in offering bespoke retirement and estate planning solutions.

Colin Estlick

Founding Managing Partner at

Kingdom Asset Management

"Working with Carlton is a pleasure. He delivers a constant high level of quality work and is always responsive and communicative."

Hugh McGrenra

Business Development Manager at

ARIA Capital Management

"Carlton is an invaluable trusted advisor who identified creative solutions for my high net worth clients using specialised life insurance options. He is a true expert in this field and someone who increases the professionalism in this specialist area."

Marc Beattie

Director at

Wealth Management Services

“Carlton has been exceptional in helping us and our clients with the best support and guidance we could wish for. We will continue to use Carlton forever more and would highly suggest that everyone else does the same too.”

Stefan Terry

Chief Executive Officer at

SVN Capital

"Carlton and his team at Capital for Life go above and beyond to help us propose and implement unique retirement and estate planning vehicles for our high net worth clients. Capital for Life’s suite of product offerings are unique in many ways and lend them themselves to significant generational wealth creation and preservation. I see Capital for Life becoming a larger part of international wealth planning in the future and would recommend them to anyone without reservation."

Thomas Goldie

Senior Wealth Adviser at

Hoxton Capital Management

“Having worked with Carlton for many years, I saw first-hand the care he took to get to the right solution for clients and how collaborative he was with colleagues. In recent years, he has specialised in offshore planning, notably trusts and life assurance, to an extent that there’s nobody I’m aware of in the industry who knows more about those areas.”

Simon Bullock

Founder of chartered financial planning boutique,

Mulberry Bow

"Carlton really stands out as a true expert within the market. Carlton has been instrumental as a trusted advisor to my high-net-worth clients because of his ability to provide specialised and creative life insurance products for retirement and estate planning."

Lloyd Simpson

Partner at

GSB Capital

"I highly recommend Capital for Life for when it comes to life insurance solutions. The team is extremely knowledgeable & professional. Carlton is a true expert in his field and he along with the team always remain on hand to provide assistance."

Gareth Bowkett

Associate Director at

Indigo Financial Analysis

"I am extremely pleased with the high-value life insurance products and retirement planning strategies that Capital for Life designed for my client. As a trusted advisor in this specialised area, Carlton and his team helped through every aspect of the application process to make this seamless and effortless for both the client and myself. The Team is highly experienced, knowledgeable and professional."

Stuart J. Mizen

Senior Investment Manager at

SVN Capital

Frequently Asked Questions About

for Key Person Executive Planning

What is Key Person Insurance?

Key person insurance is a specialised type of life insurance that protects a business from the financial fallout caused by the death or critical illness of an essential employee. This individual might be an owner, top executive, or someone with irreplaceable skills vital to the company's success.

What is the purpose of key person insurance?

The purpose of key person insurance is to protect a business from the financial consequences of losing a vital employee. This key individual could be a founder, CEO, highly skilled specialist, or a top salesperson whose unique contributions are essential to the company's success. Key person insurance provides a financial safety net in the event oft heir unexpected death or critical illness, ensuring the business has the resources to:

Offset lost revenue: Compensate for the loss of profits or sales generated by the key person.
Manage transition costs: Cover the expenses of recruiting and training a suitable replacement.
Protect against debt: Help repay loans or other financial obligations tied to the key person.
Maintain stability: Reassure investors, clients, and partners that the business has a plan to weather the loss of a key player.

Whatare the Benefits of Using Indexed Universal Life (IUL) for Business SuccessionPlanning?

While traditional options like term life insurance exist, index universal life insurance offers unique advantages for business succession planning. Here are some key benefits to consider:

Financial Protection

Guaranteed Death Benefit: Provides your beneficiaries with a lump sum regardless of market performance, ensuring smooth business transitions or debt payments.
Cash Value Growth Potential: The cash value linked to stock indexes offers the chance for tax-advantaged growth, potentially exceeding inflation and creating additional funds for succession needs.
Flexibility: You can control premium payments and adjust the allocation between the guaranteed and indexed portions based on market conditions and business needs.

Tax Advantages

Tax-Deferred Growth: The cash value inside the policy grows tax-deferred, maximising investment potential.
Tax-Free Withdrawals: Access a portion of the cash value tax-free for emergencies or unexpected expenses without impacting the death benefit.
Potential Estate Tax Reduction: Properly structured policies can help reduce estate taxes for your beneficiaries.

Strategic Funding

Buy-Sell Agreement Funding: The death benefit can fund a buy-sell agreement, ensuring remaining partners can purchase deceased owners' shares and maintain business continuity.
Liquidity Provision: Cash value access can provide needed liquidity for the business to cover expenses or debts during ownership transition.
Succession Planning Flexibility: The flexible nature of IUL allows you to adapt your plan as your business and family situations evolve.

Retirement Planning

‍Retirement Income: IUL provides a cash value which can be used to deliver an income to a retired executive.

How Does Key Man Insurance Work?

Key Man insurance works by:

1. Identify Your Key Person(s)

Carefully assess your business to determine which individuals are crucial. Consider their roles, skills, knowledge, client relationships, and the impact their absence would have on revenue and operations.

2. Assess the Financial Need

Calculate the potential financial losses stemming from the key person's death or critical illness.

Consider:

Lost revenue
Recruitment and training costs for a replacement
Debt repayment
Decreased business value

3. Choose an Insurance Provider

Independent Financial Advisor (IFA): IFAs offer unbiased advice, comparing policies from multiple providers to find the best fit for your business.
Insurance Broker: Brokers have access to various insurers and can assist with finding suitable policies.
Directly From an Insurer: While possible, it may restrict your options.

4. Obtain Quotes

Provide information about the key person (age, health, job), desired coverage amount, and policy term to get quotes from different providers.
Compare coverage, premiums, included critical illness riders, and company ratings.

5. Application Process

Complete an application form, providing the key person's information.
Key person's medical underwriting: This might involve a medical exam and review of medical records.
Insurer's assessment: The insurer analyses the risk and approves the policy.

6. Policy Setup

Choose the premium payment plan.
Nominate the business as the beneficiary.
Review the policy terms and conditions carefully before signing.

Important Considerations

Review and Update: Periodically review the policy to ensure the coverage aligns with your business's evolving needs.
Consent: It's essential to obtain the key person's informed consent before taking out a policy on their life.
Tax Advice: Consider discussing the policy with an accountant or tax advisor to understand any potential tax implications.
Take legal advice in order to arrange the legal documents needed to hold the key person policy for the benefit of the company and to document the terms of the pay-out in planning like buy-sell agreeements.

Still have questions about jumbo life insurance? We're here to help.
Reach out to us at enquiries@capitalforlife.com or call us on 052-772-6262 for the best jumbo insurance quote in Dubai.

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