Business protection isn't talked about enough within the financial services sector, and even less so when it comes to sole traders, consultants and contractors.

    Here, Tony Wickenden explains why they are actually the most key of 'key persons' and why this risk needs to be addressed more widely. 

    He says while there may not be a business succession need, if that person has dependents there is clearly a risk should something happen to them.

    Tony goes on to outline what advisers should consider when taking out critical illness together with life cover, and also discuses the use of split trusts and discretionary trusts. 

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