Insure against the financial loss if a key person in your business dies or is diagnosed with a critical illness.
It could be your sales director, finance director, head of product development, a senior technician or a 'figurehead' in your company.
What if the unthinkable were to happen to one of these people? How would you cover the loss of profits, and pay for the cost of hiring and training a replacement?
In the event of the death or critical illness of a key person:
of business owners expect their business to fold within just 18 months
of business owners estimate their businesses would cease trading immediately.
Statistics from a 2013 Legal & General survey
Questions to ask yourself:
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If you start a policy, we will be paid a commission by the insurance company. The insurance company will usually pay for any doctor's fees if reports are required.