Key-person insurance is life or disability coverage a business owns on an essential employee — often the owner or a critical executive. The business pays the premiums and receives the death benefit, creating liquidity to weather the loss by funding replacement recruiting, covering business continuity costs, or buying out the deceased’s heirs. It’s common in family businesses, professional practices, and small partnerships, and it frequently funds buy-sell agreements. If your business depends heavily on one or two people, key-person insurance helps protect the enterprise and the people who rely on it.
We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.
