Which of the following policies provides a benefit upon the insured's death as part of business continuity?

The correct response highlights the importance of a Business Disability Buy-Sell policy in ensuring business continuity when an owner or key individual becomes disabled. This type of policy is specifically designed to provide funds to a business in case a key person becomes disabled and is unable to fulfill their duties. This allows the business to continue operating by funding a buyout agreement where remaining partners or shareholders can purchase the disabled individual's stake in the business.

While other options may involve benefits related to life and health, they do not specifically address the continuity of business operations in the case of an individual's death or disability. Business Life Insurance, while potentially serving a similar purpose by providing funds upon the death of a key individual, does not specifically cater to the disability scenario. Health Insurance is primarily concerned with medical coverage and does not provide death benefits or continuity funding for a business. Group Term Life Insurance generally provides benefits upon the death of employees, but again, does not directly relate to business continuity in the event of an owner's or key person's disability.

Thus, the critical function of a Business Disability Buy-Sell policy is to ensure that arrangements are in place to maintain business operations and security in the case of unexpected events affecting key personnel.