Key-Person insurance is designed to protect a business in the event of the loss of an employee who makes a significant contribution toward the profitability of a business. Employees who fall into this category would normally have some particular ability which other employees are yet to master.

Our financial advisors will work with you to determine the length of time it would take for the business to achieve the same revenue achieved prior to the key person’s death or disability; along with the salary needed to be paid to the replacement and anticipated reduction in profit.