Protect the Business
You’ve Worked Hard to Build.

Business Insurance Advice

Running a successful business takes time, energy, and dedication — but it also requires planning for the unexpected. At Fintego Advisory, we help business owners protect their companies, partnerships, and people with tailored insurance strategies designed to provide financial security when it’s needed most.

We specialise in Buy/Sell Insurance and Key Person Insurance — two essential tools that safeguard business continuity in the event of death, disability, or serious illness of a business partner or key employee.

Buy/Sell Insurance
Protecting Business Ownership Transitions

If you’re in a business partnership or have multiple owners, what would happen if one of you could no longer work due to death or permanent disability? Would the surviving owner be forced into business with the family of the deceased? Would the departing partner’s family receive fair value?

Buy/Sell Insurance provides the funding needed to ensure a smooth, agreed-upon transfer of business ownership in these situations — often through a legal Buy/Sell Agreement.

It allows:

• Surviving owners to buy out the departing partner’s share of the business
• The exiting owner or their family to receive fair market value compensation
• Continuity and stability for the business and its employees

We help you structure Buy/Sell Insurance correctly, aligning ownership, beneficiaries, and legal agreements to avoid unexpected tax or estate complications.

Key Person Insurance
Protecting the People Who Drive Your Business

Every business has key people — individuals whose knowledge, experience, or relationships are critical to its success. This could be a founder, director, senior employee, or even a top sales performer.

Key Person Insurance provides a financial buffer to the business if one of these individuals dies or becomes seriously ill or disabled. The insurance payout can be used to:

• Cover lost revenue or profits
• Recruit and train a replacement
• Maintain cash flow and protect loan obligations
• Preserve business value during a transition

Without it, the sudden loss of a key person can put strain on operations, finances, and even the future viability of the business.

Secure Your Business’s Future

You’ve worked hard to build your business — don’t leave its future to chance. Whether you’re in a partnership or running a growing company with critical team members, we can help you plan ahead with clarity and confidence.
Talk to us today about protecting your business with the right insurance strategy.