Which of the following is typically NOT covered in a life insurance policy for business purposes?

In a life insurance policy designed for business purposes, coverage typically focuses on core operations and strategic assets that are essential for maintaining the continuity and financial stability of the business. Options like key employee insurance, business loan protection, and buy-sell agreements are crucial because they are directly tied to protecting the business's financial interests and its future viability.

Key employee insurance provides the necessary funds to the business in the event of the untimely death of a critical employee, ensuring that the company can recover from the loss and maintain operations. Business loan protection ensures that outstanding loans are settled, preventing the business from falling into financial trouble if a key stakeholder or owner passes away. Buy-sell agreements are important for ensuring that ownership interests are transferred smoothly, safeguarding the business's operational integrity.

In contrast, insurance for seasonal workers is generally not included in typical life insurance policies for business purposes. Seasonal workers are often temporary employees, and while they are valuable for specific times of the year, their role does not have the same long-term impact on the business as key employees or owners do. Therefore, the focus of business life insurance is on protecting the most significant and permanent aspects of the organization rather than short-term labor needs.