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Key Person Insurance
Cover designed to help a business manage financial disruption if a key individual dies or becomes seriously ill.
Private Client
Protection planning for founders, business owners and key individuals.
Trusted Union helps founders and business owners review insurance designed to support family, shareholders and business continuity, and help preserve enterprise value if a key person dies, becomes seriously ill or is unable to work.
For founders and business owners, personal risk and business risk often overlap.
The same person may generate revenue, hold client relationships, lead strategy, secure financing, support family income and carry shareholder responsibilities. If that person dies, becomes seriously ill or cannot work, the impact may affect both the family and the business.
Trusted Union helps clients review key person and founder protection in a structured way, considering life, critical illness, disability, shareholder and business continuity needs.
Key Areas We Support
How we support you across the area.
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Founder Protection
Review of personal and business protection needs for founders whose family income and company value are closely linked.
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Shareholder Protection
Insurance planning that may support buy-sell arrangements, shareholder liquidity or ownership continuity.
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Business Loan Protection
Cover linked to loans, guarantees or financing arrangements where a key individual is central to repayment capacity or the financing arrangement.
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Revenue & Continuity Risk
Review of how the absence of a key person could affect revenue, operations, client relationships and succession.
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Personal Protection Integration
Alignment between business protection, family life cover, critical illness and income protection.
What Trusted Union Reviews
A structured review, item by item.
Where the information is available, a review typically looks across the following.
- Who is essential to revenue, leadership or client relationships
- Financial impact if that person dies or cannot work
- Business loans, guarantees or investor obligations
- Shareholder structure and buy-sell considerations
- Family income dependency and personal liabilities
- Existing life, critical illness and disability cover
- Policy ownership, beneficiary and tax/accounting considerations with professional advisers
- Whether cover should sit personally, corporately or within a shareholder structure
The Trusted Union Approach
Personal protection reviewed as a whole — health, life, income and the assets that matter.
Why It Matters
Why a structured review matters.
Founder risk is often underestimated because the business feels strong while the founder is active. But many owner-managed companies depend heavily on one or two people.
Proper planning can help preserve enterprise value, give the company liquidity, support the family and reduce pressure on shareholders during a difficult period.
Why Trusted Union
Advice held to a consistent standard.
Trusted Union helps founders and business owners review protection from both a personal and commercial perspective.
We coordinate the insurance discussion around practical risks: family income, business continuity, shareholder obligations, debt, liquidity and succession.
Common Questions
Questions we’re often asked.
Is key person insurance paid to the company or the family?
It depends on the policy structure and purpose. Key person cover is often owned by the company, while personal life cover may be owned personally or through another structure.
How much key person cover is needed?
This may depend on revenue contribution, replacement cost, debt, profit impact, client concentration and the time needed to stabilise the business.
Is founder protection different from life insurance?
Founder protection can include life insurance, critical illness, disability and shareholder-related planning. It looks at both family and business impact.
Should legal and tax advisers be involved?
Often yes, especially for shareholder protection, policy ownership, buy-sell arrangements and corporate structures.
Request a Confidential Review
Request a Confidential Review.
Start with a structured conversation about the area of insurance you would like to review.
Request a Confidential Review