
Key Person Insurance
Key Person Insurance: How to Size and Structure Coverage for Founders
Lenders and investors increasingly require key person life insurance as a covenant. Here is how to size it correctly.
Jun 14, 20262 min read
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How to size key person coverage, tax treatment, and how lenders and investors use it as a covenant.

Lenders and investors increasingly require key person life insurance as a covenant. Here is how to size it correctly.

How key person insurance premiums are calculated in 2026, plus seven levers you can pull right now to lower your annual cost without dropping coverage.

A complete 2026 guide to key person insurance coverage limits: what each number on your policy means, how to size them to your real exposure, and the gaps most buyers miss.