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Key Man Life Assurance
| What is the worst that could happen to your business? • Losing the contents of your building in a fire? • Computer theft? • Serious storm damage? • You or a key colleague becoming seriously ill… or dying? You have, no doubt, insured your business against the first three. But are you protected against losing someone who is essential to its smooth running and future success? Losing a key colleague could prove the most damaging to your business, and it is more likely to happen than you may think. For example, if your business had five key people in their early 40s, there is a 30% chance that one them would die, and a 36% chance that one of them would have a critical illness, before they were 65 (Source: Based on 70% of TM92 ultimate mortality, and reinsurance critical illness experience). The absence of any key person causes problems, whether for a few months, while they recover from an illness, or permanently if they die or are unable to work again. As well as losing their knowledge and experience, you may find that it affects creditors' and lenders' attitudes, resulting in cash-flow problems. You may even have to abandon plans for the company's future. No amount of money can specifically replace a key person. But a lump sum at the right time can make it easier for those who have to carry on. How can you protect your business ? We can help you set up an insurance plan that is tailored to your company's needs for protection against death, critical illness – or both. Today's flexible insurance plans mean that you can have different levels and types of cover for each of your key people. So it need not cost the earth to protect your company's most valuable asset! To find out how little it could cost to protect your company, please call us on 0114 2612020 today. |