Every successful business starts with a successful relationship. The partnership between individuals is the foundation of any business, and the same applies to insurance. Their individual strengths, talents, and mutual determination contribute to the success of their business. The real trouble comes when one partner dies. In many cases, the death of a key partner is the death of a company. Third parties might not show interest in taking responsibility, and the company might have to close. The financial risks involved in such situations can be significant, and the bereaved partner might be left with a hefty debt to deal with.