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Whatever your business, the FSB will work for you.

Small business finance: independent advice from the FSB


How a small business finance health check helped one member

The member in question was previously sold four protection policies by an insurer. He had life and critical illness policy that covered just five conditions, two of them only if he survived for 28 days after diagnosis or treatment, costing £22.75 a month

FSB IFS replaced this with a monthly cost of £14.49 (36% cheaper, covering 27 more conditions. This saved the member £3,000 in premiums over the policy's 31 years.

He also had two Income Protection policies covering accident and sickness. FSB IFS's trained adviser researched the whole marketplace for a better policy.

He set up a Permanent Health Insurance policy, paying better benefits, which also covered claims from day 1 of incapacity. It also worked out over £700 cheaper per year and will also pay benefits until he can work again.

His previous policies only provided benefits for up to two years. If the difference between the two premiums is the same when the policy ends at age 65, he will have saved £21,700

Remember, we offer a range of small business finance services from tax protection to banking. There's more online.

In association with

Investors in People
FSB Independent Financial Services

Independent Financial Services provide unbiased, independent sound advice on personal and corporate financial planning to FSB members.

  • Providing advice to FSB since 1998
  • Totally independent
  • Thousands of satisfied customers
  • Free initial consultation
  • No obligation healthcheck - worth £250
  • Investment Advice
  • Retirement Planning
  • Business Protection
  • Staff Schemes
  • Pension Schemes, including compliance with the Pension Act 2008

At your meeting with FSB IFS, we'll tailor our advice to your needs and as independent advisers providing small business financial advice, we can scour the whole of the marketplace for the best deal. So we're not just for things like small business insurance!

Get a finance health check for your small business from FSB IFS

If you are an FSB member, another of the key benefits of this service is that you are also entitled to a no-obligation small business finance health check worth £250.

This involves a full review of your personal financial arrangements by a fully qualified, experienced adviser to ensure that you have the most appropriate and cost effective pension, protection, investment and mortgage products.

For more information, simply call us on

0808 16 88 482

The review will be carried out either by personal visit or via telephone/post/email as appropriate. There may be a charge for a written report be provided.

FSB Independent Financial Services (FSB IFS) is a trading style of Independent Financial Services (UK) Ltd (IFS). IFS is an appointed representative of IFS Aegis Ltd, which is authorised and regulated by the Financial Conduct Authority.

Join the FSB OR request a callback

IMPORTANT: Any advice will be provided by the Local Benefit Provider and neither the FSB nor FSB Independent Financial Services will be responsible for this advice. In most cases IFS will act as a Local Benefit Provider.Your Local Benefit Provider is an independent financial adviser, vetted and approved by FSB IFS. They will be regulated under the Financial Services Act and will provide details of their authorisation to you.

If you have any query or complaint regarding advice given, you should contact the Local Benefit Provider. If you are still not satisfied then you may take your complaint to the Financial Ombudsman Service.