Business protection insurance, shareholder protection, key person insurance, complex income mortgages, business owner mortgages, self-employed mortgages, leasehold business finance, restaurant finance, take-away business finance, pub finance

1. Cain Lambert Ltd
Appointed Representatives of
TenetLime Ltd

2. Who are we?
Cain Lambert is a mortgage and insurance consultancy based in the heart
of London. Originally established in 2003, principally as a mortgage
brokerage, the company has since become specialists in the provision of
tailored mortgage and insurance solutions for both business and personal
clients across the whole of London and home counties.
Cain Lambert is an Appointed Representative of Tenet Lime Ltd which is
part of the Tenet Group one of the largest Adviser Support Groups in the
UK.

3. Who are Tenet Group?
Tenet Group are one of the UK's largest adviser support groups, with over 25
years' worth of experience to call upon.
Tenet Group support appointed representatives and directly authorised
advisers, within both the investment and mortgage markets. They are a secure
and well-funded business with major backing from Aegon, Aviva, Friends Life &
Standard Life.

4. Our Ethos
At Cain Lambert our aims are simple:• To Listen
• To Understand, and
• To deliver quality tailor-made solutions
We aim to build lasting relationships and trust with our clients. Our
relationships are core to our proposition and we are here to discuss and
assess requirements at all times even when a solution is not required
immediately.

5. Our Specialisms
We operate in a number of different areas and in truth we can
assist almost everyone whether it is a buildings & contents policy
for your home or a combined commercial insurance policy for
your new or established business. However, we don’t like to
consider ourselves as a “jack of all trades and masters of
none”, we have 3 key specialisms: • Mortgages for Business Owners & the Self-Employed
• Business Protection insurance & Relevant Life Plans
• Short Leasehold Finance for the hospitality sector

6. Mortgages for Business Owners & the Self-Employed
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•
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We are a whole of market proposition
Access to all mortgage products available in the market
We are not tied to any particular lender
Over 20 years experience in operating in this market

7. Business Protection Insurance & Relevant Life Plans
The law requires every business to insure their: 1. Customers – Product liability / Professional Indemnity
2. Employees – Employers Liability
3. Public – Public Liability
Most business owners will insure, their buildings, equipment and vehicles
without a second thought.
But what about the loss of the key people who drive profits
or the shareholders or partners themselves?

8. Business Protection Insurance & Relevant Life Plans
• Key Person Protection - The loss of a key person in a business could have a severe
impact. The business could suffer badly, with sales and profits falling and increased
workloads for the remaining staff.
• Partnership / Shareholder Protection - If a business owner dies with no share
protection in place his or her share in the business may be passed to their family. This
means that the surviving business owners could lose control of a proportion or, in some
circumstances, all of the business.
• Business Loan Protection - Being unable to repay loans can be a serious problem for a
business following the death of a key person. For instance, Director loan accounts should
be paid off on death – without business loan protection, where would this money come
from?
• Relevant Life Plans - Relevant Life Plans are similar to most other types of life cover
except they aim to provide a tax efficient benefit provided by an employer for an
employee.

9. Key Person Protection
47% of UK businesses have 3 or more key people who
drive their profits
Source: Legal & General Director Survey 2010 commissioned through the Institute of Directors
What is it?
Key Person Protection is a business insuring itself against the financial
loss it would suffer if a key person in their business died or were
diagnosed with a critical illness , if chosen, during the length of the
policy.
How does it work?
Key Person Protection is a life assurance or life assurance and critical
illness cover policy taken out to cover the life of a key person within
your business. The policy is owned and paid for by the employer, so any
pay out is payable to the employer.

10. Partnership / Shareholder Protection
A third of UK businesses have no financial provisions in place to protect
ownership of the business following the death of a shareholder or
partner.
Source: Legal & General Director Survey 2010 commissioned through the Institute of Directors
What is it?
The loss of a business owner may destabilise a business and can quickly lead to financial
difficulties. Share Protection allows the remaining partners, directors or members to
remain in control of the business following the death of the business owner.
How does it work?
In the event of a business owner dying or being diagnosed with a terminal or critical
illness, share protection can provide a lump sum to the remaining business owners. This
means that in the event of a valid claim being made during the length of the policy, the
policy could pay out a lump sum to help purchase the deceased
partners/directors/members interest in the business.

11. Business Loan Protection
43% of business debt is completely unprotected
Source: Legal & General Director Survey 2010 commissioned through the Institute of Directors
What is it?
Business Loan Protection helps businesses pay an outstanding overdraft, loan
or commercial mortgage, should a key person die or be diagnosed with a
critical illness during the length of the policy.
How does it work?
Business Loan Protection is a life assurance or life assurance and critical illness
policy. It can be taken out on the life of a person/s within your business. When
a valid business loan protection claim is made a sum is paid to help an
outstanding debt.

12. Relevant Life Plans
What is it?
A Relevant Life Plan is a term assurance plan available to employers to provide an
individual death in service benefit for an employee. It's designed to pay a lump sum
if the person covered dies or is diagnosed with a terminal illness, whilst employed
during the term. A Relevant Life Plan is paid for by the employer.
Who is it aimed at?
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Employers looking to provide 'death in service' benefits, but with too few
employees to set up a group scheme.
Directors wishing to provide their own individual ‘death in service’ benefits
without taking out a scheme on all employees.
High earning individuals, such as directors, where ‘death in service’ does not
form part of their ‘lifetime allowance’ (£1.5 million 2012/13).

13. Short Leasehold Finance for the Hospitality Sector
Loans developed specifically for Applicants seeking to buy or refinance
“going-concern” leasehold businesses
(Restaurants, Fish & Chip Shops, Fast Food, Pubs, Clubs & Hotels)
We can secure loans from £25,000 upwards which can be used for any
of the following purposes: 1.
2.
3.
4.
5.
6.
7.
Buy out a partner
Repay private loans
Discharge a pressing VAT bill
Refurbish premises
Replace trade equipment
Working Capital
Buy a 2nd or 3rd business

14. Contact Details
www.cainlambert.co.uk
info@cainlambert.co.uk
Tel – 0203 086 7399
Paul Roberts – 07973 187008
paul.roberts@cainlambert.co.uk
Robert Watson – 07967 468823
robert.watson@cainlambert.co.uk