Every business depends on a few individuals more than it realises. This cover protects the business — and rewards the people — accordingly.
Payout to the company on loss of a key employee
A structured, compliant benefit for senior talent
The right people are an asset.
Insure them like one.
Payout to the company on loss of a key employee
A structured, compliant benefit for senior talent
This cover is relevant for any business where specific individuals hold outsized responsibility.
Employer-Employee schemes are particularly useful for businesses looking to retain senior talent through a structured, tax-efficient benefit rather than a straightforward salary increase.
We design both Keyman and Employer-Employee arrangements to be efficient and genuinely useful.
We calculate cover based on the employee's actual contribution to revenue or profit.
Every scheme we design is fully IRDAI-compliant on both employer and employee sides.
We structure the scheme to capture the tax benefits available to both parties.
We build a scheme that delivers real protection and retention value, not just a policy document.
The company typically owns the Keyman policy and is the beneficiary — the payout goes to the business, not the employee's family, to help absorb the financial disruption of losing that individual.
It's usually linked to the employee's contribution to revenue or profit, along with the cost of finding and training a suitable replacement.
Keyman insurance protects the business financially if a key employee dies or is disabled. An Employer-Employee scheme uses life insurance more broadly as a retention and reward tool, with tax advantages for both employer and employee.
