Jeudi 22 Mars 2018 - Journal "PREMYE OKAZYON" en DIRECT sur Radio Caraibes : Nawoon Marcellus Etazini │ Lapolis arete anpil nèg ak zam

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Jeudi 22 Mars 2018 - Journal "PREMYE OKAZYON" en DIRECT sur Radio Caraibes : Nawoon Marcellus Etazini │ Lapolis arete anpil nèg ak zam │ Jijman depite ki vyole timoun 11 ans. Lemond antye branche...


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Cost of Key Man Life Insurance


The cost of key man life insurance primarily depends upon the:
  • Type of policy purchased: Term life insurance policies are less expensive than permanent insurance, as they offer coverage for a fixed period of time and don’t accumulate a cash value. And there are several types of permanent life insurance policy, each of which can have different costs, risks and benefits.
  • Policy death benefit: Naturally, the greater the amount of coverage that's in place, the higher premiums will be.
  • Employee’s health and lifestyle: An employee’s age, medical history, hobbies, occupation, family history, driving history, and general health will be considered in determining their level of risk, which in turn will affect the premium that's paid.
It’s important to note that if you’re trying to insure an older or less healthy employee the cost of key man life insurance can be incredibly high. Alternatively, you may not be able to find coverage at all. If this is the case, you may have to look to other options, such as a loan, to provide compensation if your key employee should pass away. And you may want to prepare early for such a calamity, by creating a succession plan or beginning a search for viable replacement candidates.

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