Key Person Life Insurance:
Protect your business against the loss of one of your most vital assets: key employees

Key people are vital to the success of your business. A Key Person Life Insurance Plan can provide the funds you need to keep your business running smoothly after you've lost a key employee through death or employee turnover.

How Key Person Life Insurance works:

1. The employer pays premiums for a life insurance policy on the key employee's life. The employer is the owner and beneficiary.
2. The employer can arrange an Exchange of Insurance Agreement to reduce losses if a key employee leaves prior to retirement. This allows the employer to transfer coverage to a successor.
3. If a key employee dies, the employer receives the policy's income tax-free death benefit* and can apply it towards business expenses or losses caused by the employee's death.

If you employ anyone whose sudden, unexpected absence would significantly impact your business, consult with your life insurance agent and financial professionals about Key Person Life Insurance.

* Subject to the corporate alternative minimum tax for C corporations.

Securities and Investment Advisory Services are offered through:
Securian Financial Services, Inc.
400 Robert Street North, St. Paul, MN 55101-2098
Securities Dealer, Member NASD/SIPC
A Registered Investment Advisor
1-888-237-1838

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