Our Mission
Best Key Man Insurance researches, ranks, and reviews key man insurance policies for businesses that need to insure a founder, rainmaker, or other revenue-critical employee. The site compares carriers and brokers on measurable factors such as available term lengths, coverage limits, underwriting speed, medical exam requirements, conversion options, and pricing patterns for common profiles (for example, a 10-year term policy for a healthy 40-year-old key employee). Reviews also cover operational details that change outcomes, including financial strength ratings, policy riders, claims handling track record, and whether the application can be completed fully online or requires phone follow-up. Rankings are updated quarterly to reflect rate changes, underwriting rules, and product updates. Each write-up spells out where an option tends to fit and where it tends to fall short, since lower premiums can mean stricter underwriting, fewer riders, or slower approvals. Readers get side-by-side comparisons that make it easier to match coverage amount and term to a buy-sell agreement, lender requirement, or cash-flow risk plan. Methodology and scoring assumptions are published so readers can see how carriers are ranked and adjust priorities (price vs speed vs flexibility). The current rankings and full reviews are available on the site for anyone who wants to compare options before requesting quotes.
Unbiased
We maintain strict editorial independence. No provider can pay to influence their ranking.
Tested
Every provider is mystery shopped to verify their customer service claims.
Verified
We check licenses, insurance, and legal standing so you don't have to.
The Ranking Factors
Verified Reviews
Credentials Check
Mystery Shopping
Pricing Transparency
Eligibility Criteria
Local Reach
National or international services
Experience
A minimum of five years experience in key man insurance
Impact
A minimum of 100 policies issued in the previous year