This policy covers the loss (temporary or permanent) of an individual who is fundamental to the company due to their skills and abilities. Through this guarantee, the financial loss the company might suffer due to the loss of the identified human resource—and their potential replacement—is insured.
It is typically structured on a 'Whole of Life' basis, which allows the company to make premium payments for a limited period, while coverage continues for the entire life of the insured person.
Protection of key internal figures and guarantee of business continuity.
