Consider "The 1/4% Solution" Venture capital firms and sophisticated high-net worth investors always try to manage their investment risk. You naturally insist that the companies in which you invest adequately insure their physical assets - equipment, machinery, real estate, vehicles - and their liability exposures. But, often the "engines" that power the entire operation - the people behind the company - are overlooked. These highly-stressed, entrepreneurial individuals are the keys to the success or failure of your entire investment. It just makes sense to protect your investment from the death or disability of these individuals. The cost to eliminate the threat is very low. In most cases, 1/4 of 1% of your investment will protect it from a key individual's untimely death; approximately the same or slightly more for disability.
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