Many small to medium businesses are reliant on specific people within the organisation who provide specialist skills, expertise, talents or leadership. While these people may not directly contribute to the sales of the business, they are critical to the successful running of the business. Examples could include a computer systems specialist, or a leading sales person or a product designer.

Key Person works by providing the policy owner with an agreed level of funding to help compensate for losses the business may face when they lose a key person.

Built in Benefits

These benefits are automatically included in your Key Person policy. So no matter what other protection options you choose, your policy will have these benefits as standard.


Totally Disabled Key Person Benefit

Total and Permanent Disability (TPD) Payout Benefit

Recurrent Disability Benefit

Inflation Adjustment Benefit

Leave Without Pay Benefit

Payments While Overseas

Premium Waiver Benefit

Guarantee of Upgrade

Guarantee of Renewal
Provided premiums are paid, we will continue to renew the policy each year until the policy ends, without including any more restrictive terms regardless of the number of claims made or any changes to your health, occupation or pastimes.