Protect the continuity of your business.
Key person life insurance across Southern California.
Key person life insurance can keep your business afloat in the event of the death of any employee who is an integral asset to the company’s survival. We’ll work with you to design coverage that helps assure the continuity of your business for employees, customers, and creditors.
Insurance coverage that businesses should not overlook.
You might describe the skills and knowledge of the senior staff as priceless, but if anything happened to them, the financial losses for your business could be very real. That’s why you need to safeguard the future of your business with key person life insurance.
Ensure the continuation of your business.
Where ordinary life insurance compensates a person’s financial dependents for loss of income, key person life insurance is all about the costs a business faces when the person dies. It’s best suited for staff who are so vital to the company’s operations that it could struggle to survive without them.
What does key person life insurance have to offer?
The payout from a key person life insurance policy will ideally help the company stay afloat while the other members of your staff come to grips with running the business, or until your business hires a suitable replacement and brings them up to speed.
Additional payout options for every situation.
In the worst-case scenario, the payout could instead be used to wind down operations in a controlled manner rather than face the chaos and damage of a forced liquidation. In addition to paying out when a key staff member has passed away, some key person policies will also pay out if the person is diagnosed with a terminal illness or suffers a critical illness that means they can no longer work.
Key person life insurance is a great way to protect your business. If you think this might be a good fit for your business, let us know. We can walk you through your options.
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