Information about key person insurance — including this FAQ — is provided as general advice only. General advice means we share factual product information, comparisons, and educational content, but we don't take into account your business's specific objectives, financial situation, or needs. We don't provide personal advice (which would require a Statement of Advice and a personalised analysis of your circumstances). The terms used in this FAQ — 'common consideration', 'may suit', 'illustrative' — reflect that nothing here is a recommendation tailored to your business. Before acting on any information, you should consider whether the information is appropriate for your business circumstances and read the relevant Product Disclosure Statement (PDS) issued by the insurer. Tax treatment of key person insurance is complex and varies based on your business structure (sole trader, partnership, company, trust), policy purpose (revenue vs capital), and ownership arrangement — discuss with a tax professional, accountant, and licensed insurance adviser before taking out cover. The brokerage operates under AR number 1244847, AFSL 246623 (Consilium Advice Australia).