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Key person insurance is a life insurance or disability policy owned by a business on a key employee. The business pays the premiums and is the beneficiary of the policy. This type of insurance can give a small business options when a key employee suddenly passes away or becomes disabled.
If you are a small business you should consider taking out a policy on the owner, founders/partners and key executives in the company. How do you know if someone is considered “key”? Ask yourself, can the business survive without this person? If it can’t or there would be detrimental effects to the company then you should consider applying for a key person policy.
We can help you decide how much coverage is right and the type of coverage that you should apply for. Please contact us today for quotes at (703) 760-4630 or email us at email@example.com..
— Ken Fahmy
CERTIFIED FINANCIAL PLANNER® CHARTERED LIFE UNDERWRITER CHARTERED FINANCIAL CONSULTANT