Independent

KEY EMPLOYEE

Insurance Experts
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Business Owner

A Business owner is the person or entity that purchases the life insurance policy and typically pays the premiums. The owner has the right to transfer, sell or change the terms of the policy.

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Insured

The insured is the person upon whose death the policy would pay the death benefit. Therefore, premiums are directly tied to the health and lifestyle of the insured.

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Beneficiary

Beneficiary is the person or entity that would receive the death benefit should the insured pass away during the period of coverage.