Key Person Insurance

Safeguard your business against the death or critical illness of an important individual within your organisation, thanks to key person cover.

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Why choose Howden Life & Health for Key Person Insurance?

As a specialist life and health insurance broker, our team of industry experts strive to produce bespoke key person insurance solutions, on your behalf, simply and easily.

The Howden Life & Health team recognises that each policy needs to be as individual as its owner and their business, and that’s why they provide a tailored, personalised service, focused on getting to know you and finding out exactly what you want from your key person insurance.

Ultimately, whether you need to purchase a new key person policy, or review an existing one, just know that we’re here to help.

Benefits of working with Howden Life & Health:

  • You can trust us – we’re rated Excellent on Trustpilot
  • Personal service from professionally qualified advisors
  • An outstanding FCA compliance record
  • Competitive solutions to for all budgets and affordability
  • Supported by the largest panel of Life & Health insurers in the UK
  • Knowledge of underwriting and medical conditions

Howden Life & Health Limited is authorised and regulated by the Financial Conduct Authority No. 176392. Registered in England and Wales under company registration number 3040737. Office address: Howden Life & Health, Ageas House, The Square, Gloucester Business Park, Brockworth, Gloucester, GL3 4ZP. Registered Office: 1 Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.

What is Key Person Insurance?

It’s well known that a business’s most valuable assets are its people. What would happen if you were to lose one of your key people through death or illness?  It could be your top salesman, a senior engineer, or a member of the board.

Key person insurance – also known as key person cover or key person protection – provides cover for those core people within an organisation who, if lost, would cause financial loss for the business.

If the specified person dies or is diagnosed with a terminal illness, your key person insurance policy will pay out a cash lump sum that provides a buffer for your business, allowing it to recover – whether from lost income or loss of confidence. Having access to a tax-free cash injection could make all the difference, potentially helping businesses cover any outstanding business loans, purchase shares or pay for recruiting and training staff.

Do you think your business could benefit from key person insurance? Get in touch today and find out more about how the Howden Life & Health team can give you access to specialists in the market, who can themselves help you find the key person insurance policy you’re looking for.


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Try us out and see how we can help save money and make finding the right insurance cover that little bit easier for you.

Secure peace of mind knowing that any business debts are covered

Take advantage of business loan protection, designed to repay debts upon the death of a key member of your business.

Keep finances on track when sickness strikes

Reassure your employees when they’re unable to work and reduce the impact of unexpected absences on your business, thanks to income protection insurance.

Keep control of your business with shareholder protection

Reliable cover which helps to ensure remaining shareholders maintain control of their business if the unexpected happens.