Key Person Insurance

Our highly-experienced team will guide you through a streamlined path to Key Person Insurance.

As a technology company, we recognize the time constraints of a modern executive. Embroker has partnered with leading digital providers to provide a streamlined path to key person insurance.

Embroker has partnered with Life Quotes, Inc. in order to bring this insurance technology and fulfillment services to you. Our comparative rate quote engine can accurately quote up to 35 common illnesses, which reduces guesswork and false starts. Heart disease, cancer, obesity, anxiety, sleep apnea and alcohol abuse are issues we can handle over and above the common high blood pressure or elevated cholesterol.

Entrepreneurs and business owners are often underinsured or ill-advised on life insurance. Our online quote engine allows you to anonymously compare the rates of up to 50 leading life insurers and gives you the freedom to buy from any company shown. It takes only seconds to view quotes.

To view instant quotes online visit or call us at 1-866-658-6164 for quotes and advice by phone.

Key person insurance (also known as key man insurance) helps protect the company in the event of a key person’s death. Unlike life insurance, the company owns and pays the premiums on the policy, and the largest difference is that the company is the beneficiary. In the event of the key person’s death, the death benefit payout goes to the company and not the key employee’s spouse or children. Key person life insurance policies act to inject liquid funds into the business to protect against a variety of financial losses. A company will have to scout out, hire, train and retain a new replacement employee. This is costly and the death benefit covers the expense of these burdens. The policy also provides a legal transition plan for stakeholders on how the company will continue to operate, and the policy will cover the expenses incurred during the transition. Key person insurance policies may be written to include benefits to buy out stakeholders as well. Key person life insurance protects the security of the business.

A few of the well-known carriers include:

  • John Hancock
  • AIG
  • MetLife
  • Pacific Life
  • Transamerica
  • Lincoln Financial Group
  • Protective