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Keyperson Insurance

Financial protection when you lose your most valuable people

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Business man walking, holding a tablet, outside his offices, smiling

 

Protect the knowledge, leadership, and relationships your business relies on.  

Only one in five South African SMEs have adequate protection against losing their most valuable people, despite clear evidence that such losses can devastate business continuity. The truth is that today's business value often lies in intangible assets: the relationships cultivated over years, the specialised expertise that can't be googled, the strategic vision that guides every decision.

Ironically, the more valuable someone is to your business, the more vulnerable you become to their absence. Keyperson insurance provides the financial buffer to weather the storm, covering lost profits, recruitment costs, and buying you time to find genuine talent rather than settling for whoever's available.

Why partner with Investec Life?
Revenue continuity

Safeguard your business from the financial strain that comes when a leading expert is unable to work. This cover helps you maintain cash flow while you replace vital skills and keep the business on track.

Relationship preservation

Client relationships and supplier networks built over the years don't transfer overnight. Fund the transition period while trust is rebuilt. 

Recruitment buffer

Finding exceptional talent can take 6-12 months. The payout means you can wait for the right person rather than rush to fill the gap.

Download our Business Protection brochure PDF 1.36 MB

Protect my business

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FREQUENTLY ASKED QUESTIONS

  • What is keyperson insurance and why is it important?

    Keyperson insurance protects your business financially if a crucial employee, director, or founder who may be involved in the business dies or becomes disabled. The payout helps cover lost income, recruitment, and transition costs, keeping your business stable during a difficult time.

  • Who qualifies as a “keyperson” in a business?

    A keyperson is anyone whose knowledge, skills, or relationships are vital to your company’s success, such as a founder, top salesperson, lead engineer, or senior executive. Losing them could significantly impact revenue or client retention.

  • How does keyperson insurance benefit the business, not the individual?

    Unlike personal life cover, keyperson insurance pays the business directly. This ensures cash flow continuity, funds recruitment and training, and preserves client confidence while you rebuild your team.

When life happens, we've got your business covered

Contingent Liability Cover

Does your business have oustanding debt?

Contingent Liability Cover settles loans taken out by a business where the owner has signed personal surety for the debt. It removes the risk of debt being paid from the signatory’s personal estate and enables continued operating without the burden of loan obligations. 

Explore our contingent liability cover options

Buy and Sell Agreements

Do you have shareholders or business partners?

If a shareholder dies or is permanently disabled, Buy and Sell Agreements regulate the purchase of that partners interest in the company – bringing certainty to both the dependents and the remaining shareholders of the company. 

View our buy and sell agreement solutions
Previous
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Contingent Liability Cover

Does your business have oustanding debt?

Contingent Liability Cover settles loans taken out by a business where the owner has signed personal surety for the debt. It removes the risk of debt being paid from the signatory’s personal estate and enables continued operating without the burden of loan obligations. 

Explore our contingent liability cover options

Buy and Sell Agreements

Do you have shareholders or business partners?

If a shareholder dies or is permanently disabled, Buy and Sell Agreements regulate the purchase of that partners interest in the company – bringing certainty to both the dependents and the remaining shareholders of the company. 

View our buy and sell agreement solutions
Statutory information

Investec Life Limited, a member of the Investec Group, is a licensed Life Insurance Company and an authorised Financial Services Provider (FSP number 47702). Terms and conditions apply.