Key Person Disability Insurance vs Life Insurance for Small Business

Most small business owners operating under ten million dollars in revenue carry life insurance on themselves and their critical partners. They understand that a premature death could paralyze corporate operations and trigger equity transfer confusion. Focusing exclusively on mortality risk leaves a massive, unhedged exposure in your risk management strategy. Statistically, a working executive between the ages of thirty-five and fifty-five is significantly more likely to suffer a career-ending disability, stroke, heart attack, or long-term illness than to pass away during their working years.