Key Person Life


Key Person Life Insurance is a life insurance policy purchased by a company on the life of a key employee. The purpose of the coverage is to protect the company in the event of an early death of the key employee. Key Person Life Insurance is also purchased as a funding vehicle for companies to recover costs associated with various company benefits, employee and executive benefit programs.

Protect your business

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

We deliver proprietary and institutional life insurance coverage.

Coverage Amounts

Insure key person from $1,000,000 to $100,000,000+ in death benefit.


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


Get a quote and preliminary analysis within 3 to 5 business days.

Protect your business

The term Key Person can be measured by several different factors:  (i) Compensation - a substantial compensation package, (ii) Decision Making Power - responsibility for making important decisions or who greatly influences the direction of the business, (iii) Skill or Talent - special skills or talents that would be difficult to replace, and/or (iv) Profits - efforts directly impact revenue and profits.

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 life insurance policy is issued, premium is paid, and manage the policy.

Copyright © 2021 TRC Financial. All rights reserved.

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

(949) 509-2940