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If you
(and/or any other individual) are so
critical to the operation of your business
that it cannot continue in the event of your
illness or death, you should consider "key
man" insurance. This type of policy is
frequently required by banks or government
loan programs. It also can be used to
provide continuity in operations during a
period of ownership transition caused by the
death or incapacitation of an owner or other
"key" employee.
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