Universal Life Insurance Risk Assessment Quiz

Universal Life Insurance Business Assessment Tool

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1) How many key person(s)* are there in your company?

4 and above

*refers to a staff member whose skills, knowledge, expertise, network, relationships is/are crucial to the success/financial wellbeing of the company’s business – this could be the owner, manager, or other employee

2) How would the sudden demise of your key person(s) affect the company?

Disrupt company cashflow

Affect confidence of company's stakeholders

Disrupt business operations

All of the above

3) What is the estimated contribution of the key person to the earnings of the company?

100%

50%-99%

20%-49%

Below 20%

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4) Given that the key person holds critical relationships for the company that will impact beyond its day-to-day operations, what is the estimated number of years required to replace this person?

1 year

2 years

3 years and above

5) What happens if one of your shareholders/partners is unable to continue in the business due to an unforeseen circumstance (e.g. critical illness, death, disability)?

I have a buy-sell agreement in place

I have not yet thought of a plan. I will deal with it if it happens

My existing business insurance will take care of it

Not sure

6) Would you be willing to buy over their shares?

Yes

Yes, but I’m not sure if I will have sufficient funds

No, his/her family can take over

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7) Does your company have a plan to retain outstanding key staff beyond standard salary/bonus benefits?

Yes

Not relevant to me, as my key person(s) are also shareholders/owners of the firm

8) Do you already have a plan in place to evenly distribute your assets amongst beneficiaries that may or may not be active in your business?

Yes

9) Are your current assets in your portfolio heavily concentrated in one area? (i.e. investments, property or cash etc.)?

Yes

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