As a business owner, you often depend on the work of several different individuals when it comes to how successful your organization becomes. One of the ways you can reward those efforts is by providing life insurance to these valued employees. Sometimes the value of one or more individuals stands out and you may decide that you want to do something extra special for them in terms of the type of policy you’ll provide them with.   Individuals who are irreplaceable in the short term should fall into this elite category. Also, key people with the skills, knowledge, experience and...