You will get all the answers from local brokers selected by the Comparator.Which companies should subscribe to a keyman policy ?
Keyman insurance is open to all companies that wish to protect themselves from the absence of a key employee. This policy does not impose restrictions based on: the size of the company, its legal form, the type of activity undertaken or turnover. Keyman insurance provides compensation where the sole beneficiary is the company itself. If an employee whose services were vital to the business is no longer available, the benefit resulting from the keyman insurance will cover losses related to the absence of that person and ensure the continuity of operations.Why take out a keyman policy ?
According to statistics, one out of three companies ceases to operate when an employee who had ensured the smooth running of the business suddenly disappears. Most of the time, replacing this kind of employee does not happen overnight: the recruitment of the replacement requires careful consideration and a full evaluation. Meanwhile, the company’s output can slow and the losses incurred are sometimes substantial. Insurers created keyman insurance to support companies that face this problem. Profile of the key man or woman According to the French Federation of Insurance Companies (FFSA) the key man is a person whose unavailability or death disturbs the smooth running of the company and whose replacement cannot be found quickly. For example, the manager of a company, the head of a department, a scientist in charge of an important research project, or even a creative artist whose works are unique and necessary for the company to continue trading are all considered key men.
Tuesday, 5 February 2013
Owning your own home or undertaking any major expansion of a building are large projects. It is necessary to have the available funds in order to achieve this goal. Home loans are ideal if you plan to buy or renovate a property or any building. This type of credit allows you to avoid waiting years to build up the funds on your own. Of course, for a long-term debt, such as a home loan, it is necessary to have personal capital, but it is always possible to obtain financing for the full costs associated with the acquisition. What are the particularities of a home loan? This is a form of loan granted by a specialized financial institution or a bank. A specific and often substantial amount is spread out over a long period to be repaid in monthly installments. If you wish to purchase one property and sell another property, you can opt for what is called a bridge loan. Th... Lire la suite
Tuesday, 5 February 2013
If you want a new car, consider the car loan, but above all else, know that there are several steps in order to find exceptional offers with the most advantages. How to find the best car loan? First, it is essential that you define, in advance, the type of vehicle, the make and the model that you wish to buy. Then, study your budget to see if you can afford a new car or a used car. Start by evaluating the budget you want to devote to your project. It is sufficient to know the maximum monthly payment that you can pay throughout the duration of the reimbursement period. Once you have verified that your borrowing capacity does not exceed 33% of your debt level, you can move onto the next step: performing an online auto loan simulation. The online simulation is the easiest, fastest and most effective way to discover the car loan offer the most adapted to your profile. ... Lire la suite
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