---
title: "HUB International vs RiskCube: Key Person Insurance"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-riskcube/key-person"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-riskcube"
provider-a: "hub-international"
provider-b: "riskcube"
coverage-line: "key-person"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-riskcube/key-person)

## Agent Guide

**What this page is:** Focused comparison of HUB International and RiskCube for Key Person Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Key Person Insurance questions about HUB International versus RiskCube. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs RiskCube for Key Person Insurance: how do they differ?
- Which is better for Key Person Insurance, HUB International or RiskCube?
- What does HUB International or RiskCube publish about Key Person Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Key Person Insurance. Providers: HUB International and RiskCube.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [HUB International vs RiskCube](https://spot.insure/compare/hub-international-vs-riskcube) — all coverage lines for this pair
- [Key Person Insurance guide](https://spot.insure/coverage/key-person) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [RiskCube profile](https://spot.insure/insurance-providers/riskcube) — provider profile

# 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 offers key-person life and disability through executive benefits; RiskCube places death-only company-owned life that can meet an investor or venture-debt covenant.

## HUB International vs RiskCube Key Person Insurance Summary

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](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") [2](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [3](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups")

## 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](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") [3](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups")

### Contact Form Versus Two-Step Consent

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](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") [3](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups") [4](https://riskcubeai.com/key-person-notice "Key Person Life Insurance Notice")

### 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](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups") [1](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite")

## 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](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite")
- Ask RiskCube for the death benefit, term and insurer, then compare them with the covenant's required amount and duration. [3](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups")
- Confirm disability, critical illness, voluntary departure and beneficiary terms; RiskCube describes these separately from its death benefit. [3](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups")
- Confirm whether the proposed insured must provide written consent before submission. [4](https://riskcubeai.com/key-person-notice "Key Person Life Insurance Notice")

## HUB International vs RiskCube Key Person Insurance Compared

| 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](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") [2](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [3](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") (Evidence: Company-reported; scope: 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](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups") [4](https://riskcubeai.com/key-person-notice "Key Person Life Insurance Notice") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") (Evidence: Company-reported; scope: 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. [3](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") (Evidence: Company-reported; scope: 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. [3](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups") (Evidence: Company-reported; scope: 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. [1](https://www.hubinternational.com/products/financial-services/executive-benefits/ "Executive Benefits Solutions for C-suite") (Evidence: Company-reported; scope: 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. [3](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups") (Evidence: Company-reported; scope: Single example cited on the product page; not a standard servicing process the provider describes..) |

## About HUB International and RiskCube and Key Person Insurance

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [RiskCube company profile](https://spot.insure/insurance-providers/riskcube) · [RiskCube customer reviews](https://spot.insure/insurance-providers/riskcube/reviews)
- [What Is Key Person Insurance?](https://spot.insure/coverage/key-person)

## Related Pages for HUB International vs RiskCube Key Person Insurance

- [HUB International vs RiskCube](https://spot.insure/compare/hub-international-vs-riskcube): all coverage lines, business roles, service and claims.
- [What Is Key Person Insurance?](https://spot.insure/coverage/key-person): Key person life insurance pays the business if an insured founder, partner or employee dies; disability, overhead expense and buyout funding are separate needs.
- [HUB International Key Person Insurance](https://spot.insure/insurance-providers/hub-international/key-person)
- [RiskCube Key Person Insurance](https://spot.insure/insurance-providers/riskcube/key-person)

## Sources for HUB International vs RiskCube Key Person Insurance

### Sources About HUB International

1. [Executive Benefits Solutions for C-suite](https://www.hubinternational.com/products/financial-services/executive-benefits/). HUB International; Core Executive Benefits Offerings list including Key Person life insurance and Key Person disability insurance; target-client description; Contact HUB call to action. Accessed 2026-09-23.
2. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; People Protection list: Workers' Compensation, Employee Benefits, Key Person Life & Disability, Retirement Plan Solutions, Kidnap & Ransom. Accessed 2026-09-23.

### Sources About RiskCube

3. [Key Person Life Insurance for Startups](https://riskcubeai.com/insurance/life-insurance). RiskCube; Key Person Life Insurance product introduction; Who needs it; What is key person life insurance; What's covered / What is not covered; benefit-amount and cost FAQ; replacement-of-insured example. Accessed 2026-09-23.
4. [Key Person Life Insurance Notice](https://riskcubeai.com/key-person-notice). RiskCube; Sections 1-6, effective June 23, 2026: what key person life insurance is; company representative authority; proposed insured participation; employer-owned life insurance consent; information sharing; no tax/legal advice. Accessed 2026-09-23.
5. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses: California (resident, No. 6017028) and Delaware (No. 3004000392); no life-line license listed. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-riskcube/key-person.md)
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- [Public page index](https://spot.insure/llms.txt)