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Orca Financial Sections
Life Assurance
Inheritance Protection
An Introduction To Capital Acquisitions Tax
Capital Acquisitions Tax, or CAT, imposes a charge to tax on the transfer of property from one person to another in circumstances where the person receiving the property does not have to pay full va...
Shareholder Protection
An Outline
Corporate Shareholder Protection Insurance is an arrangement between a private trading company and one or more of its shareholders whereby:
The Company enters into an agreement with a shareholder to buy back his shares from hi...
Taxation
Taxation Implications
The most important point to consider in relation to the taxation of keyman policies is whether the proceeds payable on death will be liable to tax.
Policy Proceeds Payable On Death
The purpose of th...
Keyperson
Keyperson Insurance is life assurance effected by an employer on the life of a key employee, who may also be a shareholder or director, to protect the company against the financial consequences of that individual's sudden death.
K...
Business Protection
The protection of a Business Asset is often catered for through insurance, buildings insurance, vehicle and liability is a basic requirement for any business. However an area that many business's neglect is the area of covering individuals who are...
Family Protection
Term Assurance
This is pure life insurance with no element of saving. It is the cheapest way of providing life cover. A basic term policy promises to pay out a lump sum if you die during the term of the policy - for example a policy might guarante...
Life Explained
What life insurance do I need?
Death, illness, accident and disability can all have a major financial impact in terms of lost income and expense. Even if you never make a claim, life insurance can give you and your dependants the peace of min...



