01Key person life insurance
Business-owned term or permanent coverage can provide capital to replace a critical person, cover operating shortfalls, or address debt. Coverage should reflect a documented business need.
Business protection
Could your business survive losing a key person?
Protect the company, fund ownership transitions, and keep business risk from becoming a family crisis.
Explore my optionsThe real problem
A company can lose revenue, leadership, and access to credit at the same time. An unfunded buy-sell agreement may leave surviving owners without cash and a family holding an interest they cannot sell.
Who this helps
Business owners, co-founders, partners, and closely held companies.
Find your client profile →Options available
02Buy-sell agreement funding
Cross-purchase or entity-owned coverage may fund an ownership transfer. The agreement, valuation, and policy ownership need to align with your attorney's and CPA's advice.
03Succession and benefit coordination
Review how coverage supports family succession or executive benefits. Life insurance does not fund every disability, retirement, or exit trigger; other funding may be necessary.
Important trade-offs
Employer-owned coverage requires attention to notice and consent, ownership, and tax treatment. Premiums generally are not deductible. Legal agreements and valuations should be reviewed with your attorney and CPA.
How we help
We review your goals and existing coverage, compare suitable options across carriers, and coordinate with your existing professionals. Implementation includes underwriting and clear documentation; ongoing reviews keep the coverage aligned with your life.
Questions worth exploring
Indexed Universal Life for Business Owners
How IUL is actually used in business-owner planning — key-person cover, buy-sell funding, supplemental retirement income — and where illustrations oversell.
Life Insurance for Estate Liquidity & Wealth Transfer
Why illiquid estates force bad sales, how second-to-die and trust-owned coverage solve the timing problem, and what to coordinate with counsel and CPAs.
Other solutions
Talk through your options
The first conversation is a no-obligation conversation. We ask about your goals, income, and existing coverage, explain the options that may fit, and tell you plainly if something isn't a fit. There's no application and no pressure.