Key Man, or Key Person Insurance is the business insuring key people for life and/or critical illness cover. This means that if they die or suffer a critical illness, the business is compensated by the necessary cash injection to make sure it survives.   The policy is owned and paid for by the employer, so any pay out is payable to the employer.  If certain criteria is met it is possible for a business to receive tax relief on premiums for a Key Person policy.

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Lifetime Protection Service are authorised and regulated by the Financial Conduct Authority.