Key Person Income. A new insurance solution for small business
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- Octavia Young
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1 Key Person Income A new insurance solution for small business
2 A 50 year old male has a 46% chance of suffering a sickness or injury before age 65 that results in three or more months off work Source IRESS RiskResearcher Life Risk Calculator, accessed 4 April 2014.
3 Small business, a big part of Australia s economy Small businesses, with less than 20 employees, make up nearly half of the private sector industry employment segment, and a third of the private sector industry s contribution to the Australian economy. 1 People are key to any business The operation of your business depends on having the right people, and keeping them. A common barrier to innovation is the lack of skilled people in the business. 2 It s hard enough to get qualified staff, imagine the impact of losing the ones you have! Who is a key person? A key person is someone who is critical to the financial wellbeing of your business by directly contributing to the business revenue. It may be a business owner or a key employee. Typical examples of key people include: working directors, CEO s or partners, senior sales managers or specialist employees with a particular skill or technical expertise. What can you do? Think about how your business would be impacted if you or one of your key staff members became seriously ill or suffered from an injury and couldn t work for a period of time. 1. Australian Government Department of Innovation, Industry Science and Research, Australian Small Business Key Statistics, ISBN , Commonwealth of Australia Australian Bureau of Statistics (2013) Selected Characteristics of Australian Businesses, , cat.no bt.com.au
4 To keep your business running, you may consider drawing from your cash reserves, borrowing more money or selling some of your assets. However, these options may be too expensive, or may simply not be viable for your business. Key Person Income cover can provide financial help to the business if a key person is unable to work because of sickness or injury. What is Key Person Income cover? Key Person Income cover is part of BT Protection Plans a comprehensive range of insurance solutions, designed to ensure your business and your loved ones are protected should the unexpected happen. If a key person is sick or injured and can t work, Key Person Income cover will provide a monthly benefit to the business, for up to 12 months, to help minimise the financial impact to business cash flow. Here are some of the potential impacts that the loss of a key person can have on a small business, and how the payments from a Key Person Income policy can help. Potential impact Loss of revenue Disruption to business operations and management New expenses Loss of key clients and contacts Key Person Income Provide cash flow Allow the business to continue loan repayments Meet business expenses Fund locum Fund recruitment and retraining
5 Cash flow is like oxygen for your business. Key Person Income cover allows you to protect that cash flow in the event a key person is unable to work due to sickness or injury. What else does Key Person Income offer? Worldwide cover, 24 hours a day. Monthly benefit automatically increases in line with CPI minimum 3% each year. Flexible payment options monthly, quarterly, halfyearly and yearly. Who can I talk to? Your financial adviser can tailor an insurance strategy for your business and personal situation. Talk to your financial adviser about Key Person Income today. bt.com.au
6 For more information to your financial adviser Monday to Friday 8.00am 6.30pm (Sydney time) bt.com.au This information is current at 26 June 2014 but is subject to change. The Insurer of BT Protection Plans is Westpac Life Insurance Services Limited ABN , AFSL Number ( the Insurer ). BT Protection Plans are issued by the Insurer except for Term Life as Superannuation and Income Protection as Superannuation which are issued by Westpac Securities Administration Limited ABN , AFSL Number ( WSAL ) as trustee of the Westpac MasterTrust ABN The Insurer and WSAL are wholly owned subsidiaries of Westpac Banking Corporation ABN AFSL Number , ( the Bank ). Neither the Bank, nor any member of the Westpac Group (other than the Insurer) guarantees the benefits payable in relation to BT Protection Plans. BT Protection Plans are not an investment in, deposit with, or other liability of the Bank. This information has been prepared without taking into consideration your personal needs and financial circumstances. You should consider the appropriateness of this information with regard to your objectives, financial situation and needs. Before making a decision in relation to BT Protection Plans, you should consider the BT Protection Plans Product Disclosure Statement and Policy Document ( PDS ) and consider whether the product is right for you. The PDS explains conditions, terms, limits and exclusions and is available from your financial adviser, by calling , or by visiting bt.com.au. BT lc
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