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Small businesses help keep our country going. But a small business needs help to keep going after the loss of someone vital to the company. There are options available you need to know about.
KEY PERSON IS ANYONE WHO IS IMPORTANT
In small to medium size businesses, the key person may be the business owner, a top sales rep or the person who does the financing. What would happen to that company if one of these key people were to suddenly die? There may be a rough period of transition until a replacement is found. If the owner was the one to die, that could mean the resulting death of the company. Losing the top sales person may mean losing some of those accounts that kept the business running.
YOU NEED LIFE INSURANCE ON THE KEY PERSON
The key person is someone who is vital to the company; someone who cannot be easily replaced and whose knowledge is key to the company. By not recognizing the affect the death of this person may have on the organization, a business may be setting itself up for failure. A few simple steps can be taken that will help ensure the business will be prepared for the unexpected.
KEY PERSON LIFE INSURANCE FOR THE COMPANY
Key person life insurance can do several things for a company. It can give them the means to establish a business continuation plan. It can provide the economic means to find a replacement and give them the training needed to fulfill the duties of the person that was lost.
In situations where the death of the owner otherwise means the death of the company, key person life insurance can be used to pay existing debt and allow for an orderly transition to take place.
IS KEY PERSON LIFE INSURANCE IMPORTANT FOR YOU?
The need for key person life insurance depends on your circumstances; maybe you haven't thought about the need or even considered it. If your business relies on you or key associates, you need to think about what exactly it is that you need to protect.

About The Author

Ivon T. Hughes of The Hughes Trustco Group is a licensed Insurance Broker. Author of The Life Insurance Handbook. Get a FREE Copy TODAY!
Email: info@trustco.ca
Web: http://www.hughestrustco.com

Written by: Ivon T. Hughes

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