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Key person DI is corporate income protection insurance designated to pump much-needed capital back into a business after the loss of key personnel.  Assigned at the policy owner’s discretion, the benefits are commonly used for recruiter costs to find replacement employees, to reimburse losses due to decreased productivity, to fund travel expenses for new account managers meeting with clients to reinforce existing customer relations as well as to supplement overtime payments for existing staff covering the inevitable additional workload when a firm loses an integral employee. Explore problems faced by companies without this and what solutions are available.

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