Businesses face financial and operational risks when key individuals, ownership structures, or obligations change unexpectedly. Insurance-based planning can help provide the liquidity and stability needed to keep a company moving forward—no matter what the IF in life brings.
Protection against the financial loss of a key employee
Funding for buy-sell or share-purchase agreements
Executive retention and reward strategies
Succession planning for family-owned companies
Collateral assignment for business loans
Continuity during transitions and leadership changes
These strategies use fixed life insurance (Term and Permanent Life) and, where appropriate, fixed annuities. They do not include variable products or investment advice.
Coverage designed to help protect the business if a key individual—such as a founder, executive, or revenue-generating employee—passes away unexpectedly. This protection can help offset lost revenue, cover hiring costs, or provide liquidity to stabilize operations.
Life insurance can be used to help fund legally drafted buy-sell agreements between partners or shareholders. This ensures ownership transitions can happen predictably and efficiently.
A simple and flexible way to reward and retain top talent using employer-paid life insurance benefits.
Life insurance may be used as a tool to help offset the future cost of supplemental compensation arrangements for executives.
Insurance-based strategies that help ensure a business can continue operating after leadership changes, partner exits, or unexpected events.
Independent and carrier-neutral agency
Access to top-rated life insurance solutions
Advanced case design for business and estate needs
Clear explanations without complexity or pressure
Commitment to long-term, generational protection
