Embroker vs HUB International Key Person Insurance

Embroker sells key person coverage as life (or disability) insurance where the business is both the owner and beneficiary of the policy, with a dedicated concierge guiding the buyer through underwriting. ⁴Company-reported. Product-page description; not a statement about the issuing insurer.

HUB brokers key person life and disability insurance as one line within its executive benefits practice, alongside private wealth management and other individual coverages, rather than underwriting the policies itself. ⁸Company-reported. Executive benefits product page offerings list; the page does not name an issuing insurer.

Not described in the reviewed sources.

Neither the executive benefits page nor the technology-industry page names the insurer that issues a key person life or disability policy. ^8,7Not found in reviewed sources. Checked both pages on 2026-09-23.

Embroker targets businesses whose financial success, reputation, or ability to secure a loan or investment is tied to one or two specific people, not necessarily the CEO or owner. ⁴Company-reported. Product-page eligibility description; not a guarantee of coverage for a particular business or individual.

HUB markets key person insurance as part of executive benefits packages aimed at organizations seeking to attract and retain C-suite and other high-performing leaders; its technology-industry page separately lists key person life and disability among coverages it arranges for technology companies. ^8,7Company-reported. Executive benefits page target-client framing and the technology-industry page's People Protection list; not an underwriting appetite statement.

Embroker says the policy covers costs of finding, training and hiring a replacement, loss of profits or debts resulting from the key person's death, and can be applied toward protecting shareholdings or partnership interests. ⁴Company-reported. Product-page What's covered section; the issued policy and declarations control.

Embroker says claims filed within the first two years may be investigated to verify the application was truthful, and that suicide during that two-year period is not covered. ⁴Company-reported. Product-page What's not included section.

Embroker offers both key person life insurance (term or permanent) and key person disability insurance, which compensates the company if the key person becomes temporarily or permanently unable to perform their duties. ⁴Company-reported. Product-page 'Is Key Person insurance just life insurance?' section.

HUB lists Key Person life insurance and Key Person disability insurance as separate offerings within its executive benefits lineup, alongside term or permanent life insurance and individual disability insurance for executives. ⁸Company-reported. Executive benefits page offerings list; the reviewed pages do not describe policy terms, exclusions or triggers for either product.

Embroker says key person insurance premiums are not tax-deductible business expenses, though the death-benefit payout is generally not subject to income tax if the employee notification and consent requirements were met. ⁴Company-reported. Product-page 'Is Key Person insurance tax-deductible?' section; general tax description, not individualized tax advice.

Published key person life or disability benefit amounts, limits or pricing were not found on the reviewed pages. ^8,7Not publicly disclosed. Checked the executive benefits page and technology-industry page on 2026-09-23; amounts depend on underwriting and the client's chosen benefit design.

Not described in the reviewed sources.

HUB says clients working on executive benefits, including key person coverage, get access to specialists across retirement services, private wealth management, employee benefits, risk services and personal insurance. ⁸Company-reported. Executive benefits page specialist description; not specific to a single key person engagement.

Embroker requires a short application, basic health questions answered with a dedicated concierge, and a medical exam if applicable, before the policy can be issued; the company is legally required to notify the insured employee and get their consent. ⁴Company-reported. Product-page 'Get started' and 'Do I need to supply medical records?' sections; no application was submitted during this research.

The executive benefits page directs prospective clients to "Contact HUB" through a form rather than describing a self-service quote process for key person coverage. ⁸Company-reported. Executive benefits page call-to-action text.