Founder Shield vs HUB International Key Person Insurance

Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Key Person Insurance with third-party carriers rather than underwriting the policy itself. ⁷Company-reported. About-us page; applies to Founder Shield's brokerage model generally, restated here for this line.

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. ¹¹Company-reported. Executive benefits product page offerings list; the page does not name an issuing insurer.

Founder Shield says it places policies, including Founder Shield Key Person Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. ³Company-reported. General carrier-selection FAQ, not specific to this line's placements.

Neither the executive benefits page nor the technology-industry page names the insurer that issues a key person life or disability policy. ^11,10Not found in reviewed sources. Checked both pages on 2026-09-23.

Founder Shield markets key person coverage to startups and small businesses reliant on a single founder or employee, technology and R&D companies protecting key innovators, and businesses with significant debt that need to reassure creditors. ⁶Company-reported. Key Person Insurance & CFI product page, key-person component only.

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. ^11,10Company-reported. Executive benefits page target-client framing and the technology-industry page's People Protection list; not an underwriting appetite statement.

Founder Shield describes Key Person Life Insurance as a lump-sum payout to the business if a key individual dies, and Key Person Disability Insurance as a regular payout if that individual becomes unable to work. ⁶Company-reported. Product page; the issued policy and declarations control actual coverage. The page bundles a separate Contract Frustration product not covered by this record.

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. ¹¹Company-reported. Executive benefits page offerings list; the reviewed pages do not describe policy terms, exclusions or triggers for either product.

Not described in the reviewed sources.

Published key person life or disability benefit amounts, limits or pricing were not found on the reviewed pages. ^11,10Not 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. ¹¹Company-reported. Executive benefits page specialist description; not specific to a single key person engagement.

You request Founder Shield Key Person Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. ^7,3Company-reported. About-us and carrier-selection pages describe the general placement process, not a line-specific application form.

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. ¹¹Company-reported. Executive benefits page call-to-action text.