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    4. Proceeds at death pass outside of Probate
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  • Put a freeze on Winter fires. For Winter fire safety tips please visit the following link: www.usfa.fema.gov

Ohio Key Person Life Insurance

   
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The idea of key person life insurance is very simple:  the company purchases life insurance policies on key employees (owners, managers, employees in vital positions or with high specialized skills) in order to compensate the business if they were to pass away.

The compensation received by the business in the event of the death of one of these key employees is designed to offset the loss of earnings or interruption of a vital project the business will suffer as a result of losing the key person.  In addition, the funds can be used to recruit, hire and develop a replacement for the lost key employee.

The key person life insurance policy can also be used to pay the survivors (in the case of an owner) for their ownership interest in the business.

 
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