Key Staff

Key person life insurance is a life insurance policy that a business purchases for its most important employees. It can also include disability coverage. The policy protects the business from financial loss if a key employee dies or becomes disabled.

Protecting Your Business’s Most Valuable Employees

What Is Key Person Insurance?

Key person insurance is a life insurance policy that a business takes out on its most essential employees. If a covered employee passes away or becomes disabled, the company receives financial benefits to help manage the impact.

Financial Protection

Provides funds to cover potential revenue loss, hiring, and training costs.

Business Continuity

Ensures operations can continue without major disruption.

Flexible Coverage

Policies can be tailored to meet the unique needs of the business.

Secure Your Business’s Future

Arroyo-South Bay offers customized key person insurance solutions to protect your business from unexpected challenges. Let us help you develop a plan that keeps your business secure.

Why Key Staff Coverage Matters

Minimizing Risk and Ensuring Stability

Losing a key employee can significantly impact a company’s financial health and long-term stability. Key person insurance helps businesses:

Meet John M. Moody, CFP, CLU, ChFC

Your Expert in Benefits and Life

John M. Moody, CFP, CLU, ChFC leads the Arroyo-South Bay Group Benefits Brokerage (HR, Admin Worksite, Voluntary Enrollment, PEO) Pension, 401K, Profit-Sharing, Long Term Care, Deferred Compensation, Estate Advisory Services and serves a variety of industries such as real estate, hospitality and restaurants, construction, technology, manufacturing, entertainment, trucking, breweries and wineries, and environmental to name a few. Provides employee benefits brokerage to companies sized 1-1000 employees and works with every major healthcare, life, voluntary and TPA carrier.

Client Services

Customized Insurance for Every Need

From business and personal insurance to employee benefits and private client services, Arroyo South Bay provides precision solutions to protect what matters most.