Cain Lambert Ltd

Appointed Representatives of TenetLime Ltd

Who are we?

Cain Lambert is a mortgage and insurance consultancy based in the heartof London. Originally established in 2003, principally as a mortgagebrokerage, the company has since become specialists in the provision oftailored mortgage and insurance solutions for both business and personalclients across the whole of London and home counties.

Cain Lambert is an Appointed Representative of Tenet Lime Ltd which ispart of the Tenet Group one of the largest Adviser Support Groups in theUK.

Who are Tenet Group?

Tenet Group are one of the UK's largest adviser support groups, with over 25years' worth of experience to call upon.

Tenet Group support appointed representatives and directly authorisedadvisers, within both the investment and mortgage markets. They are a secureand well-funded business with major backing from Aegon, Aviva, Friends Life &Standard Life.

Our Ethos

At Cain Lambert our aims are simple:-

• To Listen • To Understand, and • To deliver quality tailor-made solutions

We aim to build lasting relationships and trust with our clients. Ourrelationships are core to our proposition and we are here to discuss andassess requirements at all times even when a solution is not requiredimmediately.

Our Specialisms

We operate in a number of different areas and in truth we canassist almost everyone whether it is a buildings & contents policyfor your home or a combined commercial insurance policy foryour new or established business. However, we don’t like toconsider ourselves as a “jack of all trades and masters ofnone”, we have 3 key specialisms: -

• Mortgages for Business Owners & the Self-Employed

• Business Protection insurance & Relevant Life Plans

• Short Leasehold Finance for the hospitality sector

Mortgages for Business Owners & the Self-Employed

• We are a whole of market proposition• Access to all mortgage products available in the market• We are not tied to any particular lender• Over 20 years experience in operating in this market

Business Protection Insurance & Relevant Life Plans

The law requires every business to insure their: -

1. Customers – Product liability / Professional Indemnity

2. Employees – Employers Liability

3. Public – Public Liability

Most business owners will insure, their buildings, equipment and vehicleswithout a second thought.

But what about the loss of the key people who drive profits or the shareholders or partners themselves?

Business Protection Insurance & Relevant Life Plans

• Key Person Protection - The loss of a key person in a business could have a severeimpact. The business could suffer badly, with sales and profits falling and increasedworkloads for the remaining staff.

• Partnership / Shareholder Protection - If a business owner dies with no shareprotection in place his or her share in the business may be passed to their family. Thismeans that the surviving business owners could lose control of a proportion or, in somecircumstances, all of the business.

• Business Loan Protection - Being unable to repay loans can be a serious problem for abusiness following the death of a key person. For instance, Director loan accounts shouldbe paid off on death – without business loan protection, where would this money comefrom?

• Relevant Life Plans - Relevant Life Plans are similar to most other types of life coverexcept they aim to provide a tax efficient benefit provided by an employer for anemployee.

Key Person Protection47% of UK businesses have 3 or more key people who

drive their profitsSource: Legal & General Director Survey 2010 commissioned through the Institute of Directors

What is it?Key Person Protection is a business insuring itself against the financialloss it would suffer if a key person in their business died or werediagnosed with a critical illness , if chosen, during the length of thepolicy.

How does it work?Key Person Protection is a life assurance or life assurance and criticalillness cover policy taken out to cover the life of a key person withinyour business. The policy is owned and paid for by the employer, so anypay out is payable to the employer.

Partnership / Shareholder ProtectionA third of UK businesses have no financial provisions in place to protect

ownership of the business following the death of a shareholder or partner.

Source: Legal & General Director Survey 2010 commissioned through the Institute of Directors

What is it?The loss of a business owner may destabilise a business and can quickly lead to financialdifficulties. Share Protection allows the remaining partners, directors or members toremain in control of the business following the death of the business owner.

How does it work?In the event of a business owner dying or being diagnosed with a terminal or criticalillness, share protection can provide a lump sum to the remaining business owners. Thismeans that in the event of a valid claim being made during the length of the policy, thepolicy could pay out a lump sum to help purchase the deceasedpartners/directors/members interest in the business.

Business Loan Protection43% of business debt is completely unprotected

Source: Legal & General Director Survey 2010 commissioned through the Institute of Directors

What is it?Business Loan Protection helps businesses pay an outstanding overdraft, loanor commercial mortgage, should a key person die or be diagnosed with acritical illness during the length of the policy.

How does it work?Business Loan Protection is a life assurance or life assurance and critical illnesspolicy. It can be taken out on the life of a person/s within your business. Whena valid business loan protection claim is made a sum is paid to help anoutstanding debt.

Relevant Life Plans

What is it?A Relevant Life Plan is a term assurance plan available to employers to provide anindividual death in service benefit for an employee. It's designed to pay a lump sumif the person covered dies or is diagnosed with a terminal illness, whilst employedduring the term. A Relevant Life Plan is paid for by the employer.

Who is it aimed at?• Employers looking to provide 'death in service' benefits, but with too few

employees to set up a group scheme.• Directors wishing to provide their own individual ‘death in service’ benefits

without taking out a scheme on all employees.• High earning individuals, such as directors, where ‘death in service’ does not

form part of their ‘lifetime allowance’ (£1.5 million 2012/13).

Short Leasehold Finance for the Hospitality Sector

Loans developed specifically for Applicants seeking to buy or refinance “going-concern” leasehold businesses

(Restaurants, Fish & Chip Shops, Fast Food, Pubs, Clubs & Hotels)

We can secure loans from £25,000 upwards which can be used for anyof the following purposes: -

1. Buy out a partner2. Repay private loans3. Discharge a pressing VAT bill4. Refurbish premises5. Replace trade equipment6. Working Capital7. Buy a 2nd or 3rd business

Contact Detailswww.cainlambert.co.ukinfo@cainlambert.co.uk

Tel – 0203 086 7399

Paul Roberts – 07973 187008paul.roberts@cainlambert.co.uk

Robert Watson – 07967 468823robert.watson@cainlambert.co.uk