Besigheid - Business 

Sleutelpersoonversekering

Dit identifiseer individue wat ‘n sleutelrol in die toekomstige bestaan en winsgewendheid van die besigheid speel. Dit kwantifiseer daardie risiko’s in die geval van dood of permanente ongeskiktheid van sodanige sleutelpersoon.

Die skielike verlies van kundigheid as gevolg van sterfte of permanente ongeskiktheid kan oor die kort tot medium termyn 'n verpletterende uitwerking op 'n besigheid hê. Hoë vervangingskoste en 'n afname in omset kan die kontantvloeiposisie van die besigheid nog verder onder druk plaas.

Sleutelpersoonversekering voorsien die fondse wat nodig is om die besigheid aan die gang te hou terwyl 'n geskikte plaasvervanger gevind word.

Voorbeeld

Matrix Hills (Edms) Bpk is 'n klein maatskappy wat wyn maak. John is die wynmaker en op grond van sy spesialisvaardigheid word hy as die sleutelpersoon beskou.

Die eienaars van Matrix Hills (Edms) Bpk gaan dus sleutelpersoonversekering aan met John as hul sleutelpersoon. Die opbrengs van die versekering sal gebruik word om by John se dood of permanente ongeskiktheid iemand in die maatskappy verder op te lei of 'n geskikte plaasvervanger te vind. Die besigheid het ook die opsie om self op 'n belastingdoeltreffende wyse versekering teen die verlies van 'n sleutelpersoon aan te gaan.

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Key person insurance

Identifies individuals that play a key role in the future existence and profitability of the business. It quantifies those risks in the event of the death or permanent disability of such key person.

The sudden loss of expertise due to death or permanent disability could have a devastating impact on a business in the short to medium term. High replacement costs, in addition to a slowdown in turnover, could further strain the cash flow position of the business.

Key person insurance provides the business with the necessary funds to sustain the business while a suitable replacement is being found.

Example
Matrix Hills (Pty) Ltd is a small wine-making company. John is the winemaker and is considered to be the key person because of his specialist wine-making skill.
The owners of Matrix Hills (Pty) Ltd have therefore insured John as their key person. The proceeds of the insurance will be used to upskill or find a suitable replacement for John on his death or permanent disability. The business also has the option to insure itself against the loss of a key person in a tax-effective manner.

Source: Sanlam


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