KeyMan Insurance Policies

Unfortunately it is a fact that you, yes you! and all your work colleagues will die. That's right! But then you knew that didn't you? But have you decided when you are going to die? Or come to think of it, your key people within your business are going to die?

That's right unfortunately as a boss that's one think you really don't have control over.

Life Insurance

Life insurance is the most simple and easy way to insure that key person within your company. Exactly the same as you would insure your own life to safeguard your family. I simple lump sum pay out in the event of death or terminal illness diagnosis. (subject to insurer)

Critical Illness Cover

With all the advances in medical science more and more people survive and go on to live a relatively normal life. But they may not enjoy the same mobility and good health as they did. Big challenges have often have to be over come and unfortunately the job and position they held before may not be a possibility anymore.

Critical illness cover will pay out a lump sum of money or a monthly payment on diagnosis of a critical illness. This could help finance the business while this person is away or evan go towards private medical care in order to help get the person back to work as soon as possible. Or simple the money could help to finance the loss accursed due to the key person being unable to work anymore.

Types of Illnesses Covered

Below is an example of what illnesses may be covered by a critical illness policy.

Alzheimer's Disease - resulting in permanent symptoms
Aorta Graft Surgery - requiring surgical replacement
Aplastic Anemia - with permanent bone marrow failure
Bacterial Meningitis - resulting in permanent symptoms
Benign Brain Tumor - resulting in permanent symptoms
Blindness - permanent and irreversible
Cancer - excluding less advanced cases
Cardiomyopathy - of specified severity
Coma - resulting in permanent symptoms
Coronary Artery By-Pass Grafts - with surgery to divide the breastbone
Creutzfeldt-Jakob Disease (CJD) - resulting in permanent symptoms
Deafness - permanent and irreversible
Dementia - resulting in permanent symptoms
Encephalitis - resulting in permanent symptoms
Heart Attack - of specified severity
Heart Valve Replacement or Repair - with surgery to divide the breastbone
HIV infection - caught from a blood transfusion, physical assault or accident at work
Kidney failure - requiring dialysis
Liver failure - of advanced stage
Loss of hands or feet - permanent physical severance
Loss of Speech - permanent and irreversible
Major Organ Transplant
Motor Neuron Disease - resulting in permanent symptoms
Multiple Sclerosis - with persisting symptoms
Paralysis of limbs - total and irreversible
Parkinson's Disease - resulting in permanent symptoms
Primary Pulmonary Hypertension - of specified severity
Progressive Supra nuclear Palsy - resulting in permanent symptoms
Respiratory failure - of advanced stage
Stroke - resulting in permanent symptoms
Systemic Lupus Erythematosus - with severe complications
Terminal Illness
Third Degree Burns - covering 20% of the body's surface area
Total and Permanent Disability
Traumatic head injury - resulting in permanent symptoms

Keyman Protection - Protect and safeguard your business