Key Person / Business Protection

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Commonly called Key Man Insurance it is an important form of business insurance.

A company purchases a life insurance policy on its key employee(s), pays the premiums and is the beneficiary of the policy. If that person unexpectedly dies, the company receives the insurance payout. The reason this coverage is important is because the death of a key person in a small company can cause the immediate death of that company.

The company can use the insurance proceeds for expenses until it can find a replacement person

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