Your term sheet probably has a key-person clause. Your startup probably doesn't have the policy. A 30-minute diagnostic fixes that.
The gap nobody talks about
NYC's startup ecosystem runs on execution. VCs fund founders, not just companies. When a key founder dies or becomes incapacitated — without coverage — investors can trigger clawback clauses, accelerate vesting provisions, or simply lose confidence in the company.
Series A and growth-stage investors increasingly require key-person insurance as a condition of closing. Finding out at term sheet negotiation that you need a policy — and haven't started the application — creates unnecessary friction.
Two co-founders. One dies or becomes permanently disabled. Without a funded buy-sell, the surviving founder may face a lawsuit from the estate, an unwanted equity partner, or a forced sale. The fix is a properly structured agreement with an insurance funding mechanism.
A solo technical founder is the company's entire intellectual engine. A company with a rockstar sales co-founder can't replace that pipeline overnight. Key-person coverage quantifies and hedges that risk.
Former Oracle Principal Consultant. PhD researcher. Queens-based. I work with carriers across the full market — not captive to one company — so you get the right coverage at the right price.
A structured 30-minute conversation that shows you exactly where your financial exposure is — and what it would take to eliminate it. No sales pitch. No pressure. Just a clear picture of where you stand.
Or fill out the form below and I'll reach out to schedule.
Tell me a bit about your situation and I'll be in touch within 24 hours.
Common questions