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There are several reasons to have life insurance in the business; for example, you can have one to buy back a shareholder's shares in the event of death, protect a commercial loan or for the estate protection of the company
It is possible to have critical illness insurance co-owned with your company to protect key people in the company in the event of a critical illness. We recommend adding a 100% premium refund benefit at maturity or in the event of death to this coverage.
You can cover the fixed costs of the company and the salary of a key person or officers and its employees in the event that any of them become disabled as a result of an accident or illness. With these protections, the income of the business is not affected during the disability.