Request a Consultation

Please submit the following request and will contact you as soon as possible.


Key Benefits

Build a Safety Net for You and Your Key Executives

Key person benefits, also known as high-risk insurance or executive benefits, helps to shield your business from loss in the event of the unexpected death or disability of a valuable key employee.

Key personnel who suffer an illness or injury can lead to an additional strain on the owner of a business.  The business may experience loss of sales and competitive edge, loss of confidence of suppliers, and expend a large amount of money and time to find a replacement.

Key Person Life Insurance

Key Person (Key Man) Life Insurance protects your business if one of the main partners passes away unexpectedly, and helps to minimize financial loss.  Your business is typically responsible for the premiums, as it is also the beneficiary.  The value of your business (as  established through financial records) will help to determine the benefit level and premium amounts.

Business Overhead (Key-person Disability)

A Business Overhead Disability policy prevents businesses from going under from regular overhead expenses while the business owner is unable to work and run the business due to disability. These types of policies will typically pay for things like employee salaries, rent and utilities, among other expenses.

Buy-Sell Agreements

Buy-Sell Agreements protect a business after the death of a key employee.  Also, known as Continuation Agreements, they are tied to and funded by life insurance policies. The agreement sets out the details of the transfer of business interest by the key-person (or his/her estate) upon a certain triggering event–usually death, disability and retirement. The surviving or continuing business owner or partner can rest assured knowing that they will be able to purchase the key-person share without interference from other survivors of the key person and his/her estate.

Policy Limit Examples

Medical Coverage
Up to $5M
Life Insurance
Up to $100M
High Limit Disability
$100,000+/month limits

Other Specialty Risks

Extortion, Kidnap & Ransom
Event Cancellation, Postponement or Non-Appearance
Litigation Buyout or Claim Cost Cap
Tax Position Guarantee
Credit / Accounts Receivable
M&A Representations & Warranties

Request More Information & Quote