The Best Tips On Intelligent Products Of Universal Life Insurance

Ten years ago I was advising mortgages and protection and the company I was with did a bit of key man insurance. We were all made redundant after the financial crash in 2008 and I thought that was the way to go, because there didn’t seem to be any company out there specialising in business protection, so I started . Key man insurance is a life insurance for businesses. So let’s say you have a top salesperson who’s making you a lot of money; your company relies on that person for a chunk of its income. If that person were to die or become critically ill it can have a big financial impact on your organisation and that is a big reason for companies going out of business.  Key man insurance will pay out a lump sum normally to a company in the event the person dies or becomes critically ill, and that money can be used to cover loss of profits, maybe bring someone in temporarily, cover debts, and keep the staff paid until the company gets itself back on its feet.  Our customers go from small one-man-bands up to corporate companies. in our experience, most that are insured tend to be aged between 35 to 60; largely company directors. We do a lot of tech start-up companies, and since accountants tend to know quite well what the pitfalls of losing key people can be, we work with a lot of accountancy and financial businesses too.  What advice would you give companies on taking out a policy? Well, a lot of companies don’t know about this particular type of insurance. There is a gap in the market, and most companies do not have key man in place.

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