HUB International vs RiskCube: How Do They Compare for Key Person Insurance?

HUB International brokers key person life and disability; RiskCube describes business-owned life coverage for investor or lender requirements, with proposed-insured consent steps.

HUB is the fit if you want key-person life and disability inside executive benefits for C-suite retention. RiskCube is the fit if an investor or venture-debt covenant requires company-owned life, and death-only cover meets that ask. ^1,^2,³

What Are the Key Differences Between HUB International and RiskCube Key Person Insurance?

Executive Life and Disability or a Covenant Death Benefit

HUB lists key-person life and key-person disability within executive benefits, alongside term or permanent life and individual disability for executives. RiskCube describes company-owned life where the business owns and benefits from the policy; it covers the insured's death during the term, while disability is handled separately or excluded. Choose HUB if your board needs disability protection paid to the company; choose RiskCube if investor or venture-debt documents require a founder death benefit. ¹ ³

HUB directs buyers to a contact form rather than a self-service quote. RiskCube uses company-level digital intake and a separate proposed-insured process that can require written consent before submission. Plan that consent step with the executive whose life is being insured if you apply through RiskCube. Both are broker placements, and neither reviewed page names the insurer for a specific policy. ¹ ³ ⁴

What the Covenant Number Looks Like

RiskCube says common amounts are 5-10 times compensation, outstanding venture debt, or a fixed $1 million to $5 million figure set by the investor or lender, and it names Hercules, Silicon Valley Bank and Western Technology Investment as example covenant sources. HUB's reviewed pages do not publish benefit amounts. Bring the written covenant to RiskCube; ask HUB to design a benefit that matches the same number if you also need disability. ³ ¹

What Should You Confirm in HUB International and RiskCube Key Person Insurance Quotes?

Ask HUB whether the proposal includes key-person disability as well as life, and who issues each policy. ¹
Ask RiskCube for the death benefit, term and insurer, then compare them with the covenant's required amount and duration. ³
Confirm disability, critical illness, voluntary departure and beneficiary terms; RiskCube describes these separately from its death benefit. ³
Confirm whether the proposed insured must provide written consent before submission. ⁴

HUB International vs RiskCube Key Person Insurance Compared

HUB International vs RiskCube: Key Person Insurance: documented features by provider

Criteria	HUB International Key Person Life and Disability Insurance	RiskCube Key Person Life Insurance
Who It’s For	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. ^1,²Company-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. ³Company-reported. Product-page description of typical buyers; a specific investor or lender requirement still governs the required amount.
How to Apply	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. ¹Company-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. ^3,⁴Company-reported. Combines the product page's process description with the notice's proposed-insured participation section.
Coverage Features	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. ¹Company-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. ³Company-reported. Product-page summary of standard term life structure; the issued policy and any riders control.
Role in 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. ¹Company-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. ³Company-reported. Product page description of policy structure.
Risk Services	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. ¹Company-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. ³Company-reported. Single example cited on the product page; not a standard servicing process the provider describes.