Protect the people your business cannot run without
Every business has people it depends on. A founder with the vision. A specialist with unique skills. A director with the relationships that drive revenue. If something happens to them, it can create serious disruption — unless you are prepared.
At Sage Financial, we help you protect the individuals who are critical to your business. Our Key Person Cover gives you financial support if a key employee dies or is diagnosed with a serious illness. So you can navigate the unexpected with confidence and keep your business moving forward.
What is Key Person Cover?
Key Person Cover is a type of business life insurance. It pays out a lump sum to the company if an insured person becomes critically ill or dies during the policy term.
The payout can be used to:
Offset lost revenue
Hire and train a replacement
Cover outstanding loans or liabilities
Maintain investor or lender confidence
Support day-to-day cash flow
In short, it helps your business stay stable when it needs it most.
Who counts as a key person?
A key person is anyone whose knowledge, skills or leadership are vital to your business success. This could be:
A founder or co-founder
A managing director or CEO
A lead developer or technical specialist
A top-performing salesperson
Anyone whose absence would cause financial strain
If losing them would impact profit, productivity, or growth, they are worth protecting.
Trusted by the UK’s Leading Providers
We work with a wide range of top-tier insurers across life, income protection, and private medical insurance — so you get advice that’s independent, tailored, and truly in your best interest.
Some of the providers we work with include: Vitality, Zurich, Royal London, Cirencester Friendly, Holloway Friendly, Guardian 1821, British Friendly, LV=, AXA Health, Bupa, and more.
Let’s protect your business
Whether you are just starting out or running an established company, we will help you build a protection plan that supports your people and strengthens your future.
Speak to our team
Call 01202 788335
Email hello@sage-financial.co.uk
Why choose Sage Financial?
We do more than find policies. We learn about your business, identify the people who drive it, and tailor cover to match your risk and your goals. Our advisors explain everything clearly and support you through the full journey — from setup to claim.
We only work with trusted insurers and always prioritise policies with strong claims reputations. Because when the time comes, you need to know it will pay out quickly and without hassle.