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Shareholder Protection & Buy-Sell Assurance – White Gold Global
Protect your business, your family and your partners with White Gold Global’s institutional-grade shareholder protection solutions.
When a shareholder, director or key partner dies, becomes critically ill or is permanently disabled, emotions run high and the business is suddenly at risk. Without a proper legal and funding structure, surviving owners can be forced into partnership with the deceased’s heirs, face forced sales, or watch the company collapse under liquidity pressure.
White Gold Global eliminates these risks with airtight, tax-efficient shareholder protection plans trusted by entrepreneurs and professional practices worldwide.
How Our Shareholder Protection Works
- Cross-Option Agreement – Legally binding contract that gives surviving shareholders the right to buy the deceased/disabled shareholder’s shares, while the estate has the right to sell (double option avoids tax traps).
- Life & Critical Illness Cover – High-value policies written in trust so proceeds flow immediately and tax-free to the correct parties.
- Automatic Share Transfer – Shares move seamlessly to remaining owners at a pre-agreed fair valuation formula.
- Business Continuity – Cash is available within weeks, not years, preventing fire sales or bank loans.
Key Benefits
- Prevents unwanted heirs or spouses from becoming shareholders
- Guarantees fair, pre-agreed price – no expensive valuation disputes
- Funds paid 100% tax-free in most jurisdictions (UK, UAE, Singapore, Hong Kong, Cayman, BVI, etc.)
- Covers death, critical illness and permanent disability in one plan
- Keeps the business in the hands of active owners
- Protects company credit lines and supplier confidence
- Can include key-person cover for additional liquidity
Typical Coverage Example
| Number of Shareholders | Total Company Value | Individual Cover per Shareholder | Total Premium (approx.) |
|---|---|---|---|
| 3 | USD 12 million | USD 4 million life + CI | USD 38,000–52,000 p.a. |
| 4 | USD 25 million | USD 6.25 million | USD 68,000–89,000 p.a. |
Premiums are usually corporation-tax deductible as a legitimate business expense.
Who Needs This
- Owner-managed companies with 2–20 shareholders
- Professional practices (law, medical, accounting, architecture, consulting)
- Family businesses preparing for generational transfer
- Private equity-backed firms with multiple individual shareholders
- International holding companies with cross-border owners
Why White Gold Global
- 20+ year track record structuring protection for businesses in 40+ countries
- Access to the world’s best insurers (Lloyd’s, Swiss Re, AIG, MetLife Institutional)
- Multi-currency and multi-jurisdiction policies available
- In-house corporate lawyers draft or review all agreements at no extra cost
- Zero commission bias – we work for you, not the insurer
Get Protected in 3 Simple Steps
- Free 30-minute protection audit with one of our specialists
- Receive custom illustration and draft legal agreements
- Sign, place policies in trust, and gain total peace of mind
Don’t leave your life’s work to chance.
White Gold Global – Safeguarding Businesses. Securing Legacies.