Your greatest asset is also your greatest unhedged risk.
Your greatest asset isn't on the balance sheet—it's your people. Here's how leading Indian companies protect their future.
The One Risk That Can Derail Everything
Why Key Person Insurance is a Strategic Imperative.
"Daily fires are urgent. A key person loss is catastrophic. Resilient businesses plan for both."
The True Cost of Losing a Leader
A Data-Driven Analysis.
Could your funding survive a leadership void?
"Key Person risk is a top 3 post-investment concern for VCs. A leadership void can trigger loan covenant reviews and impact future funding rounds."
Can you afford a 214-day hiring gap?
"Executive-level roles take an average of 214 days to fill. Quantify the cost of that stalled momentum."
What's the impact on your valuation?
"Sudden leadership changes have historically correlated with a 10-15% drop in stock value for public firms—a proxy for private valuation impact."
How deep is the knowledge drain?
"The loss of a key leader often leads to a 20% attrition rate in their direct team within the first year, compounding the knowledge loss."
Converting a Crisis into a Funded, Manageable Event
Key Man Insurance is a corporate-owned financial asset that provides a pre-planned capital injection to stabilize the business and execute a succession strategy following the loss of a critical leader.
1. Risk Assessment
Identify key value drivers and the individuals responsible.
2. Capital Shield Design
Architect a policy to cover specific financial exposures.
3. Corporate Asset
The company owns and funds the policy as a balance sheet asset.
4. Capital Deployment
In a trigger event, tax-efficient capital is deployed to execute a pre-determined plan.
The Business Case for Your Role
Secure your legacy and vision. Demonstrate strategic foresight to your board and investors, turning a key risk into a managed variable.
Calculate Your Key Person Financial Exposure
Use our Business Continuity Calculator to model your potential risk.
Your Strategic Capital Shield
Recruitment & Training Capital:
₹0
Lost Profit Compensation:
₹0
Balance Sheet Stabilization Fund:
₹0
Total Recommended Coverage:
₹0
Why India's Top Founders Choose Us as Their Strategic Risk Advisor
Architect Solutions
We architect the most efficient coverage by leveraging the entire market, not just finding the cheapest premium.
Execute Seamlessly
We execute a frictionless underwriting process to secure the best terms with minimal disruption.
Champion Your Claim
We champion your claim in the event of a loss to ensure rapid and seamless capital deployment.
Navigate Complexity
We navigate the tax and legal nuances of Indian corporate law to maximize financial efficiency.
Your Questions Answered: Key Man Insurance in India
Are Key Man Insurance premiums tax-deductible in India? -
Premiums paid are generally considered a business expense and are tax-deductible under Section 37(1) of the Income Tax Act, provided certain conditions are met.
Is the claim amount received by the company taxable? -
The claim amount received by the company is typically not considered profit and is exempt from tax under Section 10(10D), subject to policy conditions.
What happens if the key employee leaves the company? -
The company has several options: surrender the policy for its cash value, transfer the policy to the employee, or transfer it to their new employer.
Don't Leave Your Company's Future to Chance.
A 30-minute risk assessment can provide a clear roadmap. Schedule a confidential consultation with our senior advisors.