Picture this. Your office, your trucks, your computers — all covered by insurance. You’ve done everything right to protect your business. But the one thing that actually drives your business — the people —aren’t protected at all. Why, because you don't have Key Person Insurance!

If your top project manager, head designer, or partner were suddenly gone Tomorrow, would your insurance policies even come close to covering that loss?

The Silent Business Killer: A Founder’s Unexpected Absence.
What happens to your company if you — or your business partner — are suddenly gone?

Without a continuity plan, most small businesses close within a year after losing a founder or key leader.

The Hidden Gap in Business Protection

Most business owners think they are fully insured.  But if you look closer, you will notice something missing: protection for the human capital that keeps your company alive.

Your equipment can be replaced with a short phone call.  Your people can’t.
Without them, the systems, relationships, and trust you’ve built can unravel overnight.

• What happens when your rainmaker—the one who closes every big deal—gets sick or passes unexpectedly?
• How long before cash flow is affected?
• And how much would it cost to recruit and train a new person?

That’s where Key Person Insurance comes in.

Key Person Insurance ▪️ Buy-Sell agreements ▪️ Employee benefit, and Protection plans 

What Key Person Insurance Really Does

Key Person Insurance is a simple, powerful strategy: the business purchases a life or disability policy on a crucial team member whose loss would cause serious financial harm.

The business owns and pays for the policy, and if the insured person dies or becomes disabled, the company receives the payout.  That money can be used to:

• Cover lost revenue during the transition
• Recruit, hire, and train a replacement
• Reassure lenders and clients that the company is stable
• Pay off business loans or obligations

It’s not about replacing a person; it’s about buying time and stability so the business can recover.

You Insure Your Equipment—But Not the People Who Make It Valuable
You’ve insured your tools, vehicles, and building — but what about the people who make your business thrive?

If your top performer or trusted partner couldn’t work Tomorrow, would your business survive the disruption?

Key Person Insurance protects your most valuable asset: human capital.
It keeps operations steady, clients confident, and your mission alive.

Lucking Life Insurance - Because Tomorrow Matters 

Why Human Capital Is Your True Value

Every spreadsheet and P&L statement has one unspoken truth: the most valuable line item isn’t on the balance sheet — it’s the relationships, knowledge, and drive that make your business unique.

"Protecting your people means protecting your purpose." - Cheri Lucking

When you think about it, your business is an ecosystem. Remove one critical piece, and everything else struggles to stay in rhythm.

What if a Partner Passes Away—Who Owns the Business Now?

The Smartest Investment You’ll Ever Make

Key Person Insurance isn’t an expense; it’s a lifeline.
It says to your team, your clients, and your family: We’ve thought ahead.

It keeps your company standing even when life throws the unexpected.

Because while buildings, tools, and machines can be replaced, the vision and leadership that make your business special cannot.

 How to Keep Paying the Bills When Your Rainmaker Can’t Work?
Every business has a “rainmaker” — the person who drives the revenue engine.

Ready to Protect What Matters Most?

If you value your people as much as your profits, Key Person Insurance is a conversation worth having.
Let’s talk about how to safeguard the most irreplaceable part of your business — the people who make it work.

Lucking Life Insurance - Because Tomorrow Matters.

Business insurance protects your company from financial risks like accidents, natural disasters, and lawsuits. Without coverage, your business could face significant economic losses. Small businesses should seek affordable solutions to stay protected without overspending. - Cheri Lucking, Your Insurance Expert.

 

How Much Business Insurance Coverage Do You Need?

Call to assess your specific risks and consult with an expert. Call Cheri Lucking, your Insurance Expert, to identify the right level of coverage for your needs.