Directors and employees with highly specialist skills or knowledge are key employees of the companies they work for. To lose one as a result of a critical illness or death can be damaging to the business. That is why taking out Key Person Insurance to protect the company is a wise move.
Key Person insurances can provide several benefits. These can include:
Paying the costs of a temporary replacement
Meeting the costs of recruiting a permanent replacement
Covering the cost of death or incapacity of a key member of staff.
Get in touch
When we tell you about a fee, you will always receive a clear explanation of: The total fee, the advice service it relates to, how it's been calculated, when you need to pay it and your payment options.
The full scope of cover will depend on the type of policy purchased but companies ignore the risks of losing key staff at their peril. Shareholders, bank managers, suppliers and customers may not be so laid back.
Warning Text
IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
THE POLICY MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. FOR DEFINITIONS PLEASE REFER TO THE KEY FEATURES AND POLICY DOCUMENT.
We offer a range of fee options, including hourly, percentage and fixed fees. Our fee is usually agreed after the initial discovery meeting and prior to any work being undertaken.
Curious about client experiences?
What our clients say
Louise
"Verve are genuinely passionate about your financial future, whether you're 19 or 90"
Brenda and Paul
"We feel positive about our future and feel our finances are in safe hands"
Juliette
"I really love working with Michelle, she went above and beyond to help me get my ideal mortgage"
Stay in the loop
Latest News
Getting a Mortgage as a Professional Sportsman: Tackling the Challenges Head-On
Mar 26, 2025
As a professional sportsman, you’re no stranger to hard work, discipline, and overcoming challenges.
Porting Your Mortgage: What Every Homeowner Needs to Know
Mar 26, 2025
If you’re thinking about moving to a new home, you might have heard the term “porting your mortgage.”
Getting a Mortgage in London? Don’t Pay a Broker Fee – Here’s Why
Mar 14, 2025
London is one of the most exciting cities in the world, but let’s be honest—buying a home here isn’t cheap.
Getting a Mortgage as an Influencer: Your Guide to Homeownership
Mar 14, 2025
As an influencer, you’ve built a career that’s anything but traditional.
Getting a Mortgage as a Doctor or Nurse: Your FAQs Answered
Mar 07, 2025
As a doctor or nurse, you’ve dedicated years to your profession, working long hours and often under high pressure. So when it comes to securing...
Mortgage Mysteries Unplugged: Answering the Top 10 Most Googled Questions (with a Little Help from The Verve)
Mar 08, 2025
Buying a home can feel like a Bitter Sweet Symphony—excitement mixed with financial stress. With mortgages being one of the biggest financial c...
Right to Buy in 2025: Why Now is the Perfect Time to Purchase Your Council Home
Feb 28, 2025
If you're a council tenant in England, the Right to Buy scheme offers a unique opportunity to purchase your home at a significant discount.
Mortgage Britpop Banger: A Homebuying Anthem
Feb 28, 2025
(To the tune of your favourite Britpop classic—think Oasis, Blur, or Pulp!)
Accord’s 99% mortgage: The game-changer for first-time buyers
Feb 03, 2025
Let’s be real—buying a home right now feels like trying to win the lottery. You’ve got rent draining your bank account, house prices that m...
Getting a Mortgage While in the Military: What Are Your Options?
Feb 21, 2025
Being in the military comes with unique challenges and opportunities, and one of the big decisions you might face is whether to buy a home.
How Do Mortgage Interest Rates Work? A Simple Guide to Swap Rates and More
Feb 03, 2025
When you’re looking for a mortgage, one of the first things you’ll notice is the interest rate.
Buying vs. Renting: What’s the Best Move for You?
Feb 21, 2025
If you’re in your 20s or 30s, deciding whether to rent or buy a home can feel overwhelming.
Navigating Higher Mortgage Interest Rates: How Verve Financial Can Help in Salisbury
Jan 29, 2025
The rising cost of living is a concern for many homeowners and potential buyers, and with higher mortgage interest rates on the horizon, many are...
Buying a House with Verve Financial: The Soundtrack to Your Homeownership Journey in Salisbury
Jan 29, 2025
At Verve Financial, we know that buying a home is one of the most significant financial decisions you’ll ever make. It’s a journey that’s f...
Top Questions to Ask Your Mortgage Adviser Before Applying
Jan 22, 2025
Applying for a mortgage is one of the most significant financial decisions you’ll ever make, and a mortgage adviser can be an invaluable guide ...
Joint Mortgage Guide: Tips Couples Need to Know Before Buying
Jan 22, 2025
Buying a property with your partner is an exciting milestone, but it's important to understand what a joint mortgage implies before taking this s...
5 Common Misconceptions About Financial Protection Plans
Jan 22, 2025
In today's uncertain economic climate, financial protection plans are more important than ever. However, many people make decisions about their f...