HUB International vs RiskCube Key Person Insurance

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. ⁴Company-reported. Executive benefits product page offerings list; the page does not name an issuing insurer.

RiskCube places key person life insurance as a business-owned policy in which the company is both the policy owner and beneficiary; RiskCube acts as broker and does not itself carry the risk. ⁸Company-reported. Product page description of policy structure.

Neither the executive benefits page nor the technology-industry page names the insurer that issues a key person life or disability policy. ^4,3Not found in reviewed sources. Checked both pages on 2026-09-23.

RiskCube's key person page and notice do not name the issuing life insurer. Its licenses page lists only property-and-casualty producer/broker licenses for California and Delaware, and does not show a life-line license for RiskCube Insurance Services, LLC. ^8,6Not publicly disclosed. Public pages checked on 2026-09-23; a life-line license or appointment could exist without being listed on this page.

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. ^4,3Company-reported. Executive benefits page target-client framing and the technology-industry page's People Protection list; not an underwriting appetite statement.

RiskCube says key person coverage is most often driven by investor term-sheet closing conditions, venture-lender loan covenants (naming Hercules, Silicon Valley Bank and Western Technology Investment as examples), and is most commonly triggered for solo founders because there is no co-founder fallback. ⁸Company-reported. Product-page description of typical buyers; a specific investor or lender requirement still governs the required amount.

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. ⁴Company-reported. Executive benefits page offerings list; the reviewed pages do not describe policy terms, exclusions or triggers for either product.

RiskCube lists the death of the insured person during the policy term as the covered event, paying the company a lump-sum benefit; disability, critical illness, voluntary departure or resignation, and a personal (non-company) beneficiary are excluded or handled separately, per the page's "What is not covered" section. ⁸Company-reported. Product-page summary of standard term life structure; the issued policy and any riders control.

Published key person life or disability benefit amounts, limits or pricing were not found on the reviewed pages. ^4,3Not 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.

RiskCube says common key person benefit structures are 5-10x the key person's annual compensation, the outstanding venture-debt balance, or a fixed term-sheet amount commonly between $1 million and $5 million, with the exact amount set by the investor or lender rather than a RiskCube maximum. ⁸Company-reported. Illustrative structures from the FAQ; actual amount depends on underwriting and the specific investor or lender requirement.

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. ⁴Company-reported. Executive benefits page specialist description; not specific to a single key person engagement.

RiskCube says it can replace a key person policy when the insured individual changes, such as a change in CEO, to help maintain compliance with a venture-debt covenant. ⁸Company-reported. Single example cited on the product page; not a documented standard servicing process.

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. ⁴Company-reported. Executive benefits page call-to-action text.

Applying involves two separate steps: a company-level digital intake describing the business and the proposed insured's role, and a separate proposed-insured process requiring the individual's own consent and, before medical or underwriting information is collected, carrier-specific authorization and application forms. ^8,9Company-reported. Combines the product page's process description with the notice's proposed-insured participation section.

Not described in the reviewed sources.

RiskCube's notice says a company or authorized party may require the proposed insured's separate written consent before any key person policy is submitted, issued, delivered or placed in force, and that the general notice does not itself substitute for that required consent. ⁹Company-reported. Placement/binding condition rather than a post-claim handling process; the notice does not describe claims filing or payout timelines.