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A key person in a business can be crucial to that business’s success. Their death or terminal illness could have a dramatic effect on sales, customers and/or profits.

In particular, the effect of losing a key person in a small business can be devastating, not just emotionally but financially too. Having a lump sum payment could make the difference between the business surviving or going under.

Not only can the policy provide funds when it’s most needed, but it buys time to find and train a replacement for that key person. Anyone running a small business knows that could take months if not years to achieve, and having funds to fall back on can help ensure theĀ  continuity of the business.

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