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The loss of a key employee can be devastating for any business. A top sales-person, the CFO, director of marketing, or the owner who manages everything all can be invaluable to the successful continuation of a business. The financial toll a business may have due to the loss of a key person will negatively impact the succession plans of the owner.

Life Insurance and Annuity (LIA) provides key-man insurance, which is insurance purchased on the life of an employer or owner of a company. Key-man insurance provides the security companies need to move on incase of an unexpected death or disability. It keeps the company solvent while it recovers from the loss.