Key Person Disability Insurance

Key Man Life Insurance

Key Man insurance is often taken out for top executives, project supervisors or marketing individuals. Tech companies often take out Key Man insurance on one or more of their engineers or designers.  Key-Man Disability Income Insurance can be extremely important.  It helps the Business Concern continue the salary of a Disabled Executive without having to pay Two Salaries to get One Job done. 

What is does is provide Income when Disability; due to Sickness or Accident destroys the Executive's ability to earn his regular income.  As with Key Person Life Insurance, an insurance agent appraises the person you want to insure and sets a premium on that person. The premium is based on the current health of the employee, his (or her) health history, age, and salary. Note:  that not everyone can be covered with Key Person Disability Insurance. 

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