Key Person Disability Insurance

Key Person Disability Insurance is often the most overlooked risk for companies and its shareholders. Benefits from key person disability insurance are used to replace lost revenue, provide disability buy-out funding for share repurchase requirements of a disabled shareholder, hire a highly esteemed replacement, or provide high limit disability benefits required within a key person's employment contract.

Protect your business

Insure lost revenue, replacement costs, business expenses, and benefit plan liabilities.

We deliver proprietary and institutional disability coverage.

Coverage Amounts

Insure key person from $1,000,000 up to $100,000,000+ in benefits; $500,000 per month in business overhead expenses.


Insure lost revenue, replacement costs, and business overhead expenses.


Get a quote and preliminary approval within 1 to 3 business days.

Protect your business

Key Person Disability Insurance is often the most under insured risk in a business. All successful companies, no matter the size, have key personnel as the foundation driving success.

How It Works

Quote & Analysis

Gather information on the business, key person, coverage amounts and duration.


Key person insurance exam and application paperwork (including financial justification).

Issue Policy

Key person disability policy is issued, premium is paid, and the policy is inforce.

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TRC Financial Insurance Services and affiliates are presently licensed to sell insurance and annuity products, as well as other securities products in the following states: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia and Wisconsin. Residents of other states should consult with a local registered representative for insurance services and securities products. Proper state registration is mandatory prior to conducting business in that state. This is not an offer to sell securities, which may be done only after proper delivery of a prospectus and a client suitability review. CA License - #0E14614 \ CA License #0B40789 \ CA License #0B52893 - The principle place of business and the state of domicile for TRC Financial is: 1 Post, Suite 150, Irvine, CA 92618. Securities offered through Registered Representatives of M Holdings Securities, Inc., a Registered Broker/Dealer Member FINRA / SIPC. Check the background of this Firm and/or investment professional on FINRA's BrokerCheck. TRC Financial is independently owned and operated and is a Member Firm of M Financial. Please go to and click on “Disclosure Statement” at the bottom of the home page for further details regarding this relationship. For important information related to M Securities, refer to the M Securities’ Client Relationship Summary (Form CRS) by navigating to

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