Key Person Protection
See if you qualify for Key Person Protection and get a clear, free quote.
Question 1 of 6
Who is most important to the business financially?
No medical questions are asked here. Your answers are only used to prepare the conversation and are not an application for insurance.
- Takes about a minute
- No medical questions
- No obligation
A few short questions about the business and the people it depends on. No medical questions and no obligation to proceed.
What it is
Key Person Protection explained simply.
Key person protection is a policy taken out by a business on a person whose contribution is important to its financial performance.
It is intended to give the business access to capital if that person dies or, where the option is selected, becomes critically ill during the policy term.
How it works
Three simple steps.
- 01
Answer a few questions
Short, plain-English questions about what you want key person protection to do.
- 02
We compare the options
We look at the insurers we can access and work out what suits your situation.
- 03
You decide, in your own time
We explain the cover, the cost and the limitations in writing before anything is concluded.
Why people consider it
Why this cover is worth understanding.
Revenue can be concentrated
In many businesses a small number of people hold the relationships, technical knowledge or sales pipeline.
Recruitment takes time
Capital can buy the time needed to recruit, retrain and stabilise trading.
Lenders and investors notice
Cover is sometimes expected where borrowing depends on a particular individual.
What we do for you
We handle the whole process.
- We help you identify who the business actually depends on financially.
- We compare insurers on cover amount, term and critical illness options.
- We explain ownership, beneficiary and tax questions that need a separate professional.
- We handle the application and insurer correspondence for you.
Client reviews
What people say about working with us.
“They compared the market for us, explained exactly what was and was not covered, and handled the paperwork end to end. No pressure at any point.”
“I had no idea how income protection actually worked. It was explained in plain English, including the waiting period, before I signed anything.”
“Straightforward, calm and genuinely knowledgeable. They flagged an exclusion I would never have spotted on my own.”
“Everything was handled for us — quotes gathered, application submitted, underwriting questions answered. We just had to make the decision.”
“The team took the time to understand our position first. It felt like advice rather than a sales call.”
“Clear cost breakdown, clear limitations, clear next steps. Exactly what you want when the decision matters.”
“They compared the market for us, explained exactly what was and was not covered, and handled the paperwork end to end. No pressure at any point.”
“I had no idea how income protection actually worked. It was explained in plain English, including the waiting period, before I signed anything.”
“Straightforward, calm and genuinely knowledgeable. They flagged an exclusion I would never have spotted on my own.”
“Everything was handled for us — quotes gathered, application submitted, underwriting questions answered. We just had to make the decision.”
“The team took the time to understand our position first. It felt like advice rather than a sales call.”
“Clear cost breakdown, clear limitations, clear next steps. Exactly what you want when the decision matters.”
Ready when you are.
Complete the short key person protection questions at the top of this page and leave your details. We will come back to you with clear options, and you can decide from there.