Loan Account Protection

If, as a company director, you have injected some of your own capital into your company then in the event of your death, the company will owe that capital to your estate. If you are diagnosed with a critical illness, the repayment of such a loan would give you some much-needed financial security.

On the other hand, you may have been the person to guarantee a bank/building society loan on behalf of your company. As a director and key person, in your absence the business may struggle to make repayments on the loan, which is where loan protection can be your saving grace.

What you can cover with loan protection


  • Business loans - The amount outstanding on the loan or such a proportion as is appropriate for each key person/owner.

  • Amounts owed by the business to the business owner. The amount required to pay off at it’s highest anticipated point (taking into account past experience and likely future levels)

  • Overdraft - The amount required to pay off at it’s highest anticipated point (taking into account past experience and likely future levels) – or a proportion as is appropriate for each key person/owner.

  • Redundancy costs - The business could calculate the liability for each employee individually assuming
    they are made redundant today.


How can we help


Keystone can set up an insurance policy owned by the company safeguarding any outstanding debts to either your creditors or yourself, ensuring that if your company lost you, it wouldn’t lose access to vital funds or damage its credit rating beyond repair.