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How key-person cover can support business continuity

This illustrative business scenario shows how key-person cover can provide liquidity after a covered event while the company recruits, repays debt or adjusts operations.

What to check

Document the key person’s financial contribution, policy owner, beneficiary, benefit trigger and how the payout interacts with shareholder agreements.

What could change the answer

The founder, illness, policy structure and timeline are fictional. A term policy does not automatically include critical-illness cover.

A practical next step

Use one realistic disruption scenario to estimate the business gap, then obtain legal, tax and underwriting advice.

Reviewed 2026-09-09