WHAT IS KEY PERSON INSURANCE?
Key Person Insurance is a life insurance policy that a company purchases on a key executive’s life. The company is the beneficiary of the plan and pays the insurance policy premiums. This type of life insurance is also known as “key man insurance,” “key woman insurance” or “business life insurance.”
WHO SHOULD CONSIDER LIFE INSURANCE?
If you only need insurance for a specific period of time (say, when your kids are growing up or for the length of your mortgage), then consider term. If, however, you need life insurance for as long as you live (for things like burial expenses or income replacement for a spouse), consider permanent coverage.
BENEFITS OF KEY PERSON LIFE INSURANCE
TYPES OF LIFE INSURANCE POLICIES FOR YOUR BENEFIT
1. Term Insurance 2.Permanent Insurance 3.Universal life insurance
TERM INSURANCE
Term life insurance provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions.
PERMANENT INSURANCE
Permanent life insurance is an umbrella term for life insurance policies that do not expire. It combines a death benefit with a savings portion. It is guaranteed to remain in force for the insured’s entire lifetime, provided required premiums are paid, or to the maturity date.
UNIVERSAL LIFE INSURANCE
Permanent life insurance is an umbrella term for life insurance policies that do not expire. It combines a death benefit with a savings portion. It is guaranteed to remain in force for the insured’s entire lifetime, provided required premiums are paid, or to the maturity date.

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Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.

Very helpful fully explaining the different plans. Cash value is accessed via policy loans, which accrue interest and reduce cash value our valuable items.