The risk
70% of Swiss SMEs concentrate skills/clients on 1-2 associates. Sudden death triggers revenue loss, cash strain, inheritance disputes, expensive recruitment.
How key-man works
Company is policyholder AND beneficiary, pays deductible premium. On death/invalidity, capital paid to SME for buying out heirs, recruitment, debt repayment. Typical: 2-5x net profit attributable.
Cost + Polia
45-yr-old non-smoker, CHF 1M capital 15 years: ~CHF 1,200-2,500/year. Polia compares 8 life insurers. Pair with shareholder agreement on share buyback.
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