Business Insurance Desk · owners & firms
Continuity planning that keeps the firm standing.
Keyman, Employer–Employee, partnership succession and HUF / MWPA — explained, pre-screened and documented. We size the cover, show tax treatment in plain language, then you call or WhatsApp us to buy. No premium is collected on this website.
+91-9541170219 · Mon–Sat, 10am–7pm · Rohtak desk · serving Pan India
Four structures — pick the right ownership
The circular concept is an educational process. It excludes third-party company branding and does not promise a tax deduction.
Keyman
Protect the enterprise against loss of a critical employee or director.
Typical owner / payor: The business owns and pays the policy.
Control: Current IRDAI / insurer rules — typically pure term for Keyman. Commercial purpose, authority, financial capacity and insurable interest must align.
Employer–Employee
Retain, reward and fund a long-term employee benefit.
Typical owner / payor: Employer pays initially; assignment depends on the scheme.
Control: Salary relationship, objective selection and scheme documents. Premium screen is 100% of salary only if a two-year repayment clause is documented; otherwise 50%.
Partnership
Fund succession or capital-share settlement when a partner dies.
Typical owner / payor: Firm / LLP or an agreed structure.
Control: Profit-sharing, deed, consent and a buy-sell arrangement. Cover is allocated to the life by their share.
HUF / MWPA
Family and succession protection, kept distinct from company-owned cover.
Typical owner / payor: Depends on the legal route.
Control: Separate from business-continuity cover. Legal drafting required. MWPA ring-fences proceeds for spouse and children.
The business-protection circle
1
Identify dependence
Revenue, client, technical, lender or ownership dependence on one person.
2
Quantify exposure
Replacement cost, profit disruption, debt and partner buyout need.
3
Choose ownership
Business-owned, Employer–Employee, partnership or family route.
4
Document and review
Board/partner authority, financials, policy terms and an annual review.
Annual review triggers: ownership change, major borrowing, partner admission/exit, rapid profit growth, key-person change, new insurance or succession-plan change.
Working tools on this page
Underwriting snapshot
Protection entry age
18–65 (age 61–65: max SA ₹5 crore on the supplied guide)
Non-POS sum assured
₹25 lakh–₹100 crore client-level maximum
Business routes
Individual / Keyman / Partnership — HUF and E–E subject to product
Jumbo review
> ₹25 crore needs enhanced medical, financial and approval controls