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Common Key Person Insurance questions.

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Why is Keyman Insurance important? 

Keyman Insurance is critical for the financial stability of a business, should the key person fall ill or die.

In the event of a claim, how would the insurance claim be paid?

A lump sum will be paid out and is designed to support the business financially, until a replacement for the key person is appointed. 

Can we receive this as an income instead of a lump sum?

It is possible for a business to claim monthly payments, rather than a lump sum. This is through a Keyman Income Protection policy.

How long does it take to set up a Key Man policy?

Where the Key Man is below a certain age, in good health and is applying for a sum assured below a specified level, a policy could be applied for online. Cover could also start as soon as terms are accepted by the applicant. 

What about cases where instant cover is not available?

A medical or GP report may be needed. Medicals normally are back within a week or two. GP reports normally take longer. 

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Managing Director or Partner

IT Specialist

 Sales Person

The Key Person Process

Working with HB Partners



An informal introductory conversation

Your protection experts will work with you to  understand your business risks. We will then discuss with you who your key people are and the level of cover you need. 

We will search the market for the ideal Key Person policy to suit your circumstances, whether it be Life Cover only, Life and Critical Illness or Income Protection.

Our Expert Recommendation



Discover the right Key Person cover for you

Our experts will calculate the amount of cover required, then compare the relevant providers that meet your needs. We will then discuss with you the options we recommend.

With your agreement, we will then proceed with an application. We will manage all paperwork and update you at every stage of the process, until completion.

Full Application

Key Person Insurance helps businesses to protect themselves against the financial loss that they could suffer from as a result of the death or critical illness of a key person within the company. A key person is typically:

What is 3 + 5 =

Keyman Insurance

Also known as Key Person Insurance

Tailored to the needs of your business.

Call us 01923 964160

If you would like to discuss a Keyman Insurance policy, please call us on 01923 964160

Meet the Team

01923 964160


The cost of Keyman Insurance will depend upon the age, health and lifestyle of the key person. The term and amount of cover will also impact on cost.

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A Key Person Policy is owned by the business covering the key person. The company is also the beneficiary of any claim on the employee. 

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Keyman Insurance is tax-deductible in most cases, provided that the key person does not have a significant holding in the business. 

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A medical may be required, depending upon the age and health of the key person, along with the amount of cover. A medical will normally be required for a policy with a sum assured over £500,000. 

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Frequently Asked Questions

We are always ready to help. Please call

If you have a specific question, click the button below, and we will do our best to answer this for you.

Why use us?

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

We are qualified to advise you on your equity release requirements.

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Related to Keyman Insurance

Relevant Life

Shareholder Protection

Partnership Protection

Business Interruption Insurance

Employee Benefits

What our clients say

"We strive to offer our clients the best possible service, so that they become clients for life.

Your feedback is valued, and by listening to you, our relationship becomes stronger"  

Please click here to see the full list of reviews

Mark Culham 

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

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