[Michael.SF.]

It seems that each person covered sould have at least been advised that they were covered.

But if 'Key man' coverage was common, then how could a 'key man' not know?

[Abathar]

Why should they even know? It is a business decision only, it has nothing to do with the employee at all.

Unless the policy is in effect after the employee leaves like a regular term life would be, then that is kind of creepy.

We have been doing it here for years, whether the employee wants us to do it or not he can’t stop us from doing it, it’s our businesses expense to replace him if he dies and the policy is dirt cheap.

[SALChamps03]

I think that doing it in secret is the only problem. However, the company claims that employees were notified. If they were, then this is a non issue.