Some of your owner-managed clients carry a serious, unaddressed risk. If a shareholder dies or can no longer act, their family, their co-owners and the business they built are left with no plan. You often see the warning signs before anyone else does.
Fixed fees, no insurer commission
Legal work via SRA-regulated partners
Estate planning via STEP-qualified practitioners
40 years in protection
Why accountants introduce ContinuityPoint
Advisory value
Add advisory value beyond compliance and annual accounts.
Stay closest
Look proactive to your best clients, and stay closer to them than any competitor.
No reputational risk
Refer to a high-calibre specialist, not an insurance product salesperson.
Cover the exposure
Reduce the risk of being the adviser who never raised an obvious exposure.
Fully disclosed
Open a transparent, disclosed introducer arrangement, structured through RQ.
Stay compliant
Aligned with ICAEW DPB Handbook requirements to satisfy regulatory expectations without admin burden.
The way we work
Accountants are right to be wary of introducing clients to commission-driven salespeople. That is not us. ContinuityPoint is paid a fee for the advice and the work, without insurer commission steering the recommendation. So the plan is built around what your client actually needs, not around what commission a policy pays. It is the same fee-for-advice principle your own firm is built on, which is why introducing us reflects well on you.
Professional boundaries
Notice the client trigger
Make a simple introduction through RQ.app
Get consent, disclosure and audit trail, handled through RQ
Add advisory value
Provide the specialist protection advice
Coordinate legal work through an SRA-regulated law firm, and wills and trusts through estate planning specialists
Keep every professional line clear
Keep you informed, with consent
The triggers you can spot
Two or more shareholders
Real business value
Director loan accounts
Personal guarantees
Business borrowing
Retained profits
Family income from dividends
Key people
No shareholder agreement, or an old one
Cover arranged years ago, never reviewed
Succession or exit on the horizon
The checklist turns this into a two-minute scan of your client base.
How referrals work
1
You spot a client trigger. The checklist makes this quick.
2
You introduce your client, or ask us for a preliminary discussion first.
3
ContinuityPoint holds an initial review call.
4
The work and the fixed fee are scoped and agreed with your client.
5
Your client receives fixed-fee advice and a clear implementation plan.
6
Legal work is coordinated through regulated legal partners.
8
You stay informed where appropriate, with the client’s consent.
Handled compliantly, through RQ
Introductions are recorded and managed through, RQ the ICAEW platform built for referral compliance. Fee disclosure, client consent and the audit trail your DPB licence requires are handled properly.
START SMALL
You do not have to commit your whole client base. Pick three clients who show the triggers, or send us an anonymised client scenario, and we will show you exactly how the review works and what your client would get.
BOOK A 15-MINUTE CALL