Key Person Insurance

What will happen to your business if something happens to its founders or top performers? Our experienced team at M&T Securities, Inc. can help you determine your needs and help you meet those needs.

Help protect your company against the loss of your best people.

If you lost one of your company's key individuals – or if that person were no longer able to work and replacing them would take significant time, efforts and funds – a key person insurance policy may help to protect your company from a potential financial loss.

​​Policy Features

Policies available through M&T Securities may offer the following features, among others:

  • ​Cash value may accumulate in the policy
  • ​Policy can be transferred to the employee at retirement as a bonus
  • Premiums are paid by the business​

Corporate-Owned Life Insurance

Corporate-owned life insurance offers employers the opportunity to protect the corporation/entity by purchasing life insurance policies on the lives of their key employees.

​Potential Benefits of a Corporate-Owned Life Insurance Policy

  • The option to build cash value
  • Lifetime coverage which remains in force as long as premiums are paid or there is ade​quate value in the policy to pay the cost of insurance​
  • The younger and healthier the insured is when the policy is purchased, the lower the annual premium may be​
Key Person Insurance may not be suitable for all investors. Speak to one of our representatives to find out more.
Policy features differ per insurance carrier.
Investment and Insurance Products: • Are NOT Deposits • Are NOT FDIC Insured • Are NOT Insured By Any Federal Government Agency • Have NO Bank Guarantee • May Lose Value​​​​​
Brokerage services are offered by M&T Securities, Inc. (member FINRA/SIPC), not by M&T Bank.
M&T Securities, Inc. is licensed as an insurance agent and acts as agent for insurers. Insurance policies are obligations of the insurers that issue the policies. Insurance products may not be available in all states.
The content of this page is for informational purposes only. It is not designed or intended to provide financial, tax, legal, investment, accounting, or other professional advice since such advice always requires consideration of individual circumstances. Please consult with the professionals of your choice to discuss your situation.