Keyman Insurance（关键人员保险）
是一种商业保险，用于确保公司在关键人员（如主要收入来源者、股东或业务所有者）因意外或疾病导致死亡或永久性残疾时，公司的现金流能够继续。 

以下是其核心功能：

1. 股东或合伙人保障：在关键人员是股东或合伙人的情况下，保险金可以用于购买其股份，避免股份落入竞争对手手中。

2. 风险管理：为企业提供一种风险管理工具，以防止关键人员的缺失对公司造成不可逆转的损害。

3. 财务稳定：确保在关键人员无法工作时，公司能够继续运营，保持财务稳定。

4. 债务保障：如果关键人员负责公司的债务，保险金可以用来偿还债务，减轻公司的财务负担。

5. 人才替代成本：提供资金以招聘和培训新的关键人员，以填补因关键人员缺失而留下的空缺。

6. 税务规划：在某些情况下，保险费用可能是税务可扣除的，这可以作为企业税务规划的一部分。

关键人员保险是企业风险管理策略的重要组成部分，有助于确保企业在面临关键人员丧失的风险时，能够维持运营和财务安全。它为企业提供了一种方式，以减轻因关键人员不幸事件而可能遭受的经济影响。

1. Shareholder or Partner Protection: In cases where key personnel are shareholders or partners, insurance funds can be used to purchase their shares, preventing the shares from falling into competitors’ hands.

2. Risk Management: Provides a risk management tool for businesses to prevent irreversible damage to the company caused by the absence of key personnel.

3. Financial Stability: Ensures that the company can continue operations and maintain financial stability when key personnel are unable to work.

4. Debt Protection: If key personnel are responsible for the company’s debts, insurance funds can be used to repay the debts, alleviating the company’s financial burden.

5. Talent Replacement Costs: Provides funds to recruit and train new key personnel to fill the vacancies left by the absence of key personnel.

6. Tax Planning: In some cases, insurance expenses may be tax-deductible, which can be part of corporate tax planning.

Key person insurance is an important part of corporate risk management strategy, helping to ensure that businesses can maintain operations and financial security when facing the risk of losing key personnel. It offers a way for businesses to mitigate the economic impact that may arise from unfortunate events involving key personnel.

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