Business Protection

Business protection is a type of life insurance that protects companies financially when its owners or employees are affected by illness or death. The death or serious illness of any key staff member can have a devastating impact on any business.

We can create solutions for businesses of all sizes and types, self employed/sole traders, limited companies, partnerships including limited liability partnerships (LLPs).


Key Person Cover


Key Person cover is life insurance, which can also include critical illness cover, taken out by a business on the life of someone crucial to the business. It provides a financial safety net if a key member of staff dies or is diagnosed with a serious illness, if Critical Illness Cover is included.

Business Loan Protection


Business loan protection insures business owners for any business loan payments that may be at risk, in the event of death or illness.

Shareholder Protection


Shareholder protection enables business owners to buy shares back from any partner who is diagnosed with a critical or terminal illness, or dies. This type of insurance helps surviving business owners stay in control and mitigates disruption to the business.

Partnership Protection


Partnership Protection provides partners with the cash flow required to buy back the ownership stake of a partner or member of a limited liability partnership who has been affected by critical illness or has died.

Your Cream adviser will ensure you get the product you need, with the right provider, at a price you can afford.

Get a Quote

Fill in our quote form and an adviser will contact you to arrange an appointment.

Existing Customers

If you have queries about your existing policy please get in touch.

About Cream

Learn more about Cream, our mission and commitment.

Life insurance could be the most important financial product you ever buy.

If you die while you still have dependants, being able to claim on a life insurance policy could be the difference between your loved ones struggling to make ends meet, and their financial security.

Despite this, many of us simply don’t have any life insurance cover in place. Your Cream Financial Services adviser will ensure you get the product you need, with the right provider, at a price you can afford.




Refer a friend

Cream operates a refer and earn scheme and we'll pay up to £150 for each successful Life insurance referral.



Free Will

Cream offers a free Will service worth £130 which is available with every Life policy taken out.

Free Trust
Every Life policy taken out with Cream has the option to have a free trust set up for you if you wish to do so.


Cream Financial Solutions
49 Waterloo Road

Southern Office
Trinity Court
2-4 West Street, Fareham
PO16 0BH

Northern Office
Second Floor
Focus House
1 Central St

Bespoke tailored insurance solutions built around you and your family. Completely free initial consultation. Quality, personal advice.