Contact with us for any advice
Call anytime
+971-523494861
Key Person Insurance | White Gold Global Investments
Your business relies on certain individuals far more than any balance sheet reveals. When a founder, CEO, top salesperson, lead developer or critical executive dies or becomes disabled, the financial impact can be catastrophic — lost contracts, frozen credit lines, plummeting confidence, and recruitment costs that run into millions.
White Gold Global structures institutional-grade key person insurance that instantly injects cash into your company the moment it’s needed most — keeping the lights on while you recover and rebuild.
How Key Person Insurance Works
- Company Owns & Pays – The business owns the policy and pays the premiums (usually tax-deductible).
- Instant Capital Injection – Upon death or permanent disability of the key person, the insurer pays a large tax-free lump sum directly to the company within days.
- Flexible Use of Proceeds – Recruit a replacement, cover lost profits, repay loans, reassure lenders and investors, or fund a buy-out of the key person’s shares.
Typical Coverage Scenarios
| Key Person Role | Company Revenue | Recommended Cover | Approx. Annual Premium |
|---|---|---|---|
| Founder / CEO | USD 15M | USD 8–12M | USD 42,000–68,000 |
| Rainmaker Sales Director | USD 40M | USD 15–25M | USD 78,000–135,000 |
| Lead Engineer (AI/Fintech) | USD 8M | USD 5–8M | USD 28,000–49,000 |
| Multiple Key People Plan | USD 100M+ | USD 30–80M total | Tiered & discounted |
Cover can include death, critical illness, and permanent total disability.
Why White Gold Global for Key Person Cover
- Access to the strongest global insurers (Lloyd’s, Swiss Re, AIG, MetLife, Zurich)
- Policies available in USD, EUR, GBP, AED, SGD, HKD
- Multi-life and group structures for 3+ key people (significant premium savings)
- In-house corporate attorneys review trust wording and ownership structure at no extra cost
- No medical exams required in many cases up to USD 10–15M (executive medicals arranged privately if needed)
- Zero commission-driven advice – we are paid only by you, never the insurer
Who Needs This Now
- Fast-growing startups and scale-ups
- Private equity or venture-backed companies
- Businesses where 1–3 individuals drive >50% of profit
- Firms preparing for sale or investment round (banks and investors love seeing key person cover in place)
- Professional practices and partnerships
Get Covered in 3 Simple Steps
- Free 20-minute key person risk assessment
- Receive instant illustrations from multiple A-rated insurers
- Sign, complete quick underwriting, and lock in protection within 7–14 days
Don’t gamble with the people who make your business irreplaceable.
White Gold Global – When One Person Is Worth Millions, Protect Them Like It.