It looks like “key man” insurance is basically a life insurance policy. What happens if you have some sort of falling out with one of the founders? Or you decid

It looks like “key man” insurance is basically a life insurance policy. What happens if you have some sort of falling out with one of the founders? Or you decide to start a competing company? Or you decide to go full time with one of the other three startups. Having a single point of failure in a business is a big problem. Having a single point of failure that isn’t 100% committed to that business sounds insane