Revenue drops. Clients leave. Recruiter fees pile up. Key person insurance buys the one thing you can't — time to recover.
If they leave — or worse — those clients follow. That revenue disappears overnight.
Training a replacement costs 3–4x their salary. Key person insurance buys you the time and cash to survive it.
If you're the key person, your business has a single point of failure with no safety net.
One call. 15 minutes. You leave with a clear picture — whether you work with us or not.
Protect your key people now — not after 6 weeks of underwriting. Approved in minutes.
Most key person policies cover salary ×5. The real cost is ×8–12. We size it to the actual risk.
Results may vary. Individual coverage depends on health, age, and underwriting.
The employees whose absence would directly impact revenue, operations, or client relationships.
We calculate the financial impact of losing each key person — salary, training, revenue loss.
Your business is protected against the unexpected loss of the people who make it run.
Key person insurance is a life insurance policy that a business purchases on an essential employee, executive, or founder. The company owns the policy, pays the premiums, and is the beneficiary. If the key person dies, the business receives a tax-free death benefit to cover lost revenue, recruitment costs, debt obligations, and operational disruption.
A key person is anyone whose absence would cause significant financial harm to the business. This includes founders, CEOs, top salespeople, lead engineers, partners with critical relationships, or any employee with specialized knowledge that would be difficult or impossible to replace quickly.
The coverage amount typically reflects the financial impact of losing that person. Common methods include 5-10 times their annual compensation, a multiple of their revenue contribution, or the estimated cost to recruit, hire, and train a replacement plus lost revenue during the transition period.
Premiums for key person insurance are generally not tax-deductible as a business expense. However, the death benefit is received by the company income-tax-free, which offsets the cost significantly. The tax-free payout is one of the primary advantages of this type of coverage.
For smaller coverage amounts, many carriers offer no-exam underwriting. For larger policies — which are common for key person insurance — a medical exam may be required. The key person must consent to the policy being issued on their life. We handle the process and make it as simple as possible for everyone involved.
Whether you're looking for coverage or looking to build something meaningful — we're here.
Choose a time that works for you — no obligation, no pressure.
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