Key Person Cover
New Zealand has almost 600,000 small businesses – and most depend on one or two key people to function. If one of them becomes seriously ill or passes away, the ripple effect can be significant.
Key Person Cover protects the business from the financial impact of losing someone critical to its success.
Why It Matters
When a key person can’t work, the effects ripple quickly through a business:
- Revenue may drop as production or sales slow down.
- Client relationships may be disrupted.
- Operating costs remain, but income may fall.
- Debt repayments or personal guarantees can become harder to meet.
Without adequate protection, those short-term pressures can quickly turn into long-term problems – including risks to your personal finances.
Our Approach
We start by getting to know how your business operates — who the key people are, how they contribute to revenue, and what would happen if they couldn’t work.
From there, we:
- Map out your organisational structure and financial dependencies
- Identify potential revenue impacts
- Design a fit-for-purpose protection plan that covers those gaps
We also look at how your business protection links with your personal insurance, ensuring both plans work together for a seamless safety net.
Next Steps
If the unexpected happens, Key Person Cover gives your business the financial breathing room to recover – to pay bills, retain staff, protect clients, and keep your long-term goals on track.
By tailoring covers to your structure, you can safeguard both business continuity and personal financial stability .
It’s about ensuring your business stays strong through every wave of life — no matter what comes next.
Why Choose US
Relationship-Driven Advisory
Long-term, multi-stage support from advisers who know your family – not a call centre.
True Claims Advocacy
The real test of insurance isn’t when you buy the policy – it’s when you need it. We step into the process, prepare documentation, and advocate for fair outcomes where needed.
Multi-Provider Access
Tailored solutions from multiple insurers, not a single product suite.
Referral
Based
Life-Stage Based Planning
We don’t sugarcoat premiums or promise unrealistic pricing stability.
Honesty Over Sales Tactics
Plan for tomorrow, today. Smart guidance to choose the right fund and stay on track for your retirement goals.
Lived Experience
We’ve personally navigated trauma, disability, and claims. This changes everything about how we advise.