Protect your business againstthe loss of a key person
The Uncomfortable Truth
Why businesses overlook key person risk ?
- Overdependence on a few individuals
- No financial backup for sudden loss
- Business loans linked to individuals
- Lack of structured contingency planning
Continuity First.
Zero Guesswork.
- We don’t treat Key Man Insurance as a formality
- We don’t use arbitrary coverage amounts
- We don’t push policies without valuation
- We structure cover based on business impact
OUR CFP KEY MAN FRAMEWORK
Role criticality
Impact of the individual on business
Financial contribution
Revenue / profit dependency
Liabilities
Loans linked to the individual
Replacement cost
Time and expense to replace
Ownership structure
Partner/shareholder dynamics
Business stage
Startup / growth / mature
Tax implications
Treatment of premium and payout
Coverage structure
Right sum assured and tenure
Key planning questions
Who is truly a key person?
Not all employees carry the same impact.
What is the financial exposure?
Revenue, loans, and continuity risks.
How much cover is sufficient?
Based on valuation — not guesswork.
Is the structure compliant?
Ownership, tax, and documentation matter.
HOW EDUCATION PLANNING SHOULD BE STRUCTURED
Identification
Define key individuals
Valuation
Assess financial impact
Coverage structuring
Right sum assured and tenure
Policy ownership
Company-owned protection
Who This Is For ?
- Businesses dependent on key individuals
- Companies with loans or investor obligations
- Founders / partners driving business value
- Organisations planning continuity proactively
A STRUCTURED 5-STEP JOURNEY
CFP discussion
Understanding business structure
Recommendation
Determining financial exposure
Guidance
Documentation and ongoing review
Assessment
Identifying key individuals
Execution
Policy structuring and insurer selection
OUR IMPACT
Why families trust Paisa Nurture
1000+ families
CFP-led advice
Unbiased advice
Long-term advisory
Zero mis-selling
Your business is built by people — protect its most critical pillars.
Discover the full spectrum of financial
services. More Than You Thought.
Better Than You Expected.
Quick Links
- We offer our services without charging separate advisory fees.
- Mutual Fund investments are subject to market risks.
- Please read all scheme-related documents carefully before investing. Past performance is not an indicator of future returns.