Protect your business;
protect yourself.

Key Person Insurance

What would happen if a key person in your business (which could be you) became terminally ill, was injured or died? How would your business - and everything you’ve worked so hard to build - survive?

Key Person Insurance offers a financial safety net for your business if it loses (temporarily or permanently) a crucial employee.

Whether you’re a team of 1 or 100; whether it’s you we’re insuring or another key person in your crew - let us help you make sense of your options, simplify the complex world of policy wording and pricing, and ultimately, get you protection and peace of mind.

Don’t leave the business you’ve built to chance.

Key Person Insurance FAQ

  • Key person insurance is an insurance policy that business can take out on its most valuable employees (and yes, that includes you).

    It helps safeguard your business if one of its biggest assets dies, gets very sick or becomes disabled.

    Take a moment to ask yourself…
    If you (or another key person in your business) were to fall seriously ill or die, how would your business suffer? Could you continue operating? Would sales/revenue take a hit? Would you need to hire someone else - possibly a senior or specialist individual - to step into that person’s shoes? How would you cover wages, overheads and debts if operations are interrupted or stop altogether? 

    Click here for more detailed information on Key Person Insurance

  • Life, Trauma, Disability and Income Protection. These main types of Key Person Insurance cover all sorts of eventualities, including needing to sell or wind up the business, or cover the owner’s mortgage repayments.

    Click here for more detailed information on Key Person Insurance

  • All Business types and sizes can benefit from Key Person Insurance - whether it’s just yourself in your business (sole traders, tradies, contractors, freelancers, husband and wife teams) or you have a larger team, with key staff members whose sudden absence would harm the business.

    Click here for more detailed information on Key Person Insurance

What our Clients say:

"Craig and the team at WealthHealth are amazing. Honest, trustworthy and know the industry. Helped us through the minefield of insurance providers, underwriter jargon and did everything for us to make sure we had the right policy in place. Absolute Legends!"

Daniel Johnston

“Craig was absolutely amazing … we would very highly recommend him. Nothing was a problem, he listened to our needs, was extremely patient and offered very sound knowledge and expertise in his field.”

Catherine Palmer

“Most of the time setting up financial necessities… is pretty time consuming and stressful. Craig at Wealth Health made this process easy and was thorough and professional and we even had time for a bit of humour as well”

Justin Smith

Tax-deductible protection

We meet many business owners - especially sole traders - who’ve structured their insurance cover under their personal name to safeguard their own financial security.

However, some insurance cover can actually be structured as a business expense - because some of the personal risks you’re trying to cover can be classified as business risks rather than strictly personal risks. After all, if you get sick and can’t run things, that’s a huge risk for your business, right?

Re-structuring insurance into the correct business entities can allow some of the insurance premium to become a tax deductible expense, lowering your tax.

Meet Craig

With over a decade of experience as an Insurance Broker, I focus on life, health, and disability insurance for both wage earners and self-employed individuals.

I have a passion for helping small business owners because - being one myself - I understand the dedication and hard work it takes to build something from the ground up. I also know how much more’s at stake for self-employed people when illness or death strikes. Without the right protection,
a business can be lost in an instant.

That's why I specialise in providing Key Person Insurance. It ensures self-employed people are protected, so they can keep their businesses running even in the face of life’s challenges.

I can help you assess what level of protection you need, talk you through the options, and simplify the complex world of policies and applications for you.

Whether you’re a tradie, a solopreneur, or managing a team of staff, I can help!

Let’s Chat!

Simply fill in the form on this page and we’ll get back to you within 24 hours.

Or if you’d rather chat now, you can contact Craig on
027 667 2537 or Freephone 0800 672 537

Or jump in and book a spot in Craig’s calendar:

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We’re based in Tauranga, Bay of Plenty but help clients right across New Zealand via online meetings / video calls.