Identify critical roles
Map people whose absence could materially disrupt operations or value.
PROTECT
Key Person Insurance
Consider business continuity risks linked to key people and responsibilities.
THE ENDURANCE VIEW
A business can be exposed to the loss of one critical person.
Key-person planning examines how an unexpected departure could affect revenue, client relationships, financing or continuity, then considers how the financial impact may be managed.
The conversation on key person insurance starts with identify critical roles and estimate the business impact. It then connects those decisions to build continuity measures and review ownership implications, so the topic can be considered in the context of the wider financial plan rather than as an isolated product or task.
WHY THIS PAGE EXISTSA dedicated explanation for a dedicated decision.
Explore the scope below, then follow a related service or continue to a conversation with Endurance.
SCOPE
What this page covers
Estimate the business impact
Consider replacement cost, revenue loss and transition time.
Build continuity measures
Combine insurance, documentation, succession and operational resilience.
Review ownership implications
Keep protection aligned with shareholder and succession arrangements.
PROCESS
How Endurance approaches key person insurance
The stages below are a practical guide to how a conversation can move from an initial question to a clearer next step.
01 — IDENTIFY
Map the event or exposure that could materially disrupt the plan.
02 — QUANTIFY
Estimate the size, duration and likely financial consequence.
03 — MITIGATE
Use reserves, controls, diversification or protection where appropriate.
04 — REVIEW
Reassess the exposure as family, business and financial conditions evolve.
DECISION LENS
Keep the wider financial picture in view.
Objective
What is the decision meant to accomplish?
Time horizon
When does the outcome need to matter?
Risk & liquidity
What could change the outcome and what must remain accessible?
Existing position
What is already owned, owed, promised or planned?
FAQS
Questions to consider before you begin.
The answer depends on objectives, time horizon, financial complexity, existing position and the responsibilities connected to the decision.
Bring the broad objective, the approximate timing, key commitments and a current outline of the financial position.
No. The appropriate scope should be tailored to the facts, suitability requirements and services available to the client.
RELATED
Continue exploring.
YOUR NEXT STEP
Talk to an Advisor →Start with the question this page helped you define.
Draft educational marketing content. Final service scope, product availability, fees, regulatory permissions, credentials and any personalised advice language must be verified and approved by Endurance and its legal/compliance advisers before publication.