--- title: Key Person Life Insurance and Million Dollar Legs description: Is key person life insurance right for your small business? Learn the factors you need to consider to make a smart decision. image: https://www.aigltd.com/hs-fs/file-508989201-jpg/images/legs-and-key-person-insurance.jpg --- - [Home](https://www.aigltd.com/) | - [Contact Us](https://www.aigltd.com/contact/) | - [Blog](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa) ![Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance](https://www.aigltd.com/hs-fs/hubfs/PA-Insurance-for-Business-Car-Life-House-Health.jpg?width=1020&name=PA-Insurance-for-Business-Car-Life-House-Health.jpg "Affordable PA Insurance: Commercial, Homeowners, Car, Life, and Health Insurance") [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo1.png?width=690&name=Mobile-logo1.png)](https://www.aigltd.com/) [![](https://www.aigltd.com/hs-fs/hubfs/American_Insurance_Group-Images/Mobile-logo2.png?width=690&name=Mobile-logo2.png)](https://www.aigltd.com/) # Insurance Savings and News You Can Use Join the Conversation! ## Key Person Life Insurance and Million Dollar Legs Posted by [David Ross](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/author/david-ross) on Thu, Feb 06, 2014 - [Tweet](https://twitter.com/share) ## **What do Legs Have to do with Key Person Life Insurance?** W![Learn why key person insurance may be right for your business. We insure large and small businesses in PA, including Reading, Philadelphia, Harrisburg, Erie, Lancaster, Allentown, Hershey, York and beyond. Call for the best advice on key person life insurance.](https://www.aigltd.com/hs-fs/file-508989201-jpg/images/legs-and-key-person-insurance.jpg)e’ve all heard stories about celebrities insuring various body parts for ridiculous sums of money - most famously, Betty Grable’s legs were insured for a million dollars. Why would anyone insure such a thing? The fact of the matter is, her studio made a lot of money off of Betty Grable’s appearances, and a large part of her appeal were her fabulous gams. If her legs had been marred in any way, her ability to sell movies and posters would’ve been greatly reduced.    Now, think about this.  Are there any parts – such as key person - of your business that, if lost, would significantly impact your bottom line? ### **Who is a Key Person?** A key person in your company is like Betty Grable’s legs. That person could be one of your executives, your best salesperson, your gem of an office manager who keeps things running smoothly, or an old hand who knows where all the skeletons are buried (figuratively, of course!). A key person is any employee who, if he/she suddenly passed away or became unable to work, would cause your business to struggle. Look around your office – who couldn’t your business afford to lose? ### **The Vulnerability of Small Businesses and the Need for Key Person Insurance** Getting Key Person Life Insurance is especially vital for small businesses, both because they generally have a thinner line between success and failure, and because they have smaller workforces. A giant firm with offices all over the country may not have any employees who are irreplaceable; since they are all tiny cogs in a giant machine with many redundancies, while a small company with only a few employees has less overlap in responsibilities. With a small workforce, employees often have unique and specialized knowledge and connections that may not be easily replaced. Also, for businesses just starting out, if one of the partners has an accident, the poor fledgling company would be doomed to fail unless there was some kind of cushion. That cushion could be a Key Person Life Insurance policy. ### **Grieve without the Worry** Of course, the loss of any employee’s life - regardless of how essential they were to your business - is an awful thing to contemplate. A Key Person Life Insurance policy can allow you to grieve, without the worry of how you’re going to be able to keep the company afloat until you find or train a replacement. ## **Is Key Person Life Insurance Right for Your Business?** ![Is key person insurance right for your business? Call us for answers.](https://www.aigltd.com/hs-fs/file-508989201-jpg/images/legs-and-key-person-insurance.jpg?width=100&height=132&name=legs-and-key-person-insurance.jpg)If you have people who are as valuable to your business as Betty Grable’s legs were to her, **[contact American Insuring Group](https://www.aigltd.com/contact/)** at **(610) 775-3848** or **(800) 947-1270** for information on Key Person Life Insurance policies for your business! ![Contact us to learn more about Key Person Insurance. We serve Philadelphia, Reading, Lancaster, Allentown, Harrisburg, Pittsburgh, Erie, Scranton, and all of Pennsylvania and beyond with quality business insurance at affordable prices.](https://www.aigltd.com/hs-fs/file-16764558-jpg/images/contact-us-button-e-250.jpg) Tags: [Small Business Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/small-business-insurance), [Commercial Insurance Allentown PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-allentown-pa), [Commercial Insurance Lancaster PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-lancaster-pa), [Commercial Insurance Harrisburg PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-harrisburg-pa), [Key Person Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/key-person-insurance), [Commercial Insurance Reading PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-reading-pa), [Business Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/business-insurance), [Commercial Insurance Philadelphia PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-philadelphia-pa), [Commercial Insurance York PA](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-york-pa), [Commercial Insurance Berks County](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/commercial-insurance-berks-county), [Life Insurance](https://www.aigltd.com/insurance-blog-car-auto-home-life-commercial-reading-pa/topic/life-insurance) ### Why Customers Love and Trust Us! ### Subscribe to Receive Helpful Blog Posts Get the Right Coverage and Save Big with American Insuring Group!   [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg?width=300&height=154&name=Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg "Affordable-Car-Truck-Vehicle-Insurance-btn-300b.jpg")](https://www.aigltd.com/cheap-car-insurance-quotes-auto-motorcycle-pennsylvania)   [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-House-Insurance-btn-300b.jpg?width=300&height=202&name=Affordable-House-Insurance-btn-300b.jpg "Affordable-House-Insurance-btn-300b.jpg")](https://www.aigltd.com/homeowners-renters-house-insurance)     [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Life-Insurance-btn-300-1.jpg?width=300&height=210&name=Affordable-Life-Insurance-btn-300-1.jpg "Affordable-Life-Insurance-btn-300-1.jpg")](https://www.aigltd.com/life-insurance-quotes-term-life-insurance-whole-life-insurance-cheap-life-insurance)     [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Health-Insurance-btn-300.jpg?width=300&height=214&name=Affordable-Health-Insurance-btn-300.jpg "Affordable-Health-Insurance-btn-300.jpg")](https://www.aigltd.com/health-insurance)   [![](https://www.aigltd.com/hs-fs/hubfs/Affordable-Business-Insurance-btn-300.jpg?width=300&height=235&name=Affordable-Business-Insurance-btn-300.jpg "Affordable-Business-Insurance-btn-300.jpg")](https://www.aigltd.com/commercial-insurance-small-business) ### Latest Posts ### Posts by Category - 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