Business life insurance planning
Life Insurance Built Around the Business.
Protect key people. Fund ownership transitions. Strengthen succession plans. Explore sophisticated insurance strategies designed around the economics of your business.
Owners
Key People
Buy-Sell
Succession
Executive Benefits
Retirement Strategy
Business Debt
Business risk
What Happens to the Business When Everything Changes?
A Key Person Dies
Revenue, relationships and operational knowledge can disappear at once.
A Business Partner Dies
An ownership agreement needs a credible source of liquidity.
An Owner Wants to Exit
Valuation, timing and funding can pull in different directions.
The Business Needs a Succession Plan
Continuity requires more than naming a successor.
Planning architecture
Strategies Built Around the Business
Insurance is a funding mechanism within a broader business strategy—not the strategy by itself.
How the pieces fit
One Business. Multiple Planning Objectives.
Protect
Key person
Fund
Buy-sell
Retain
Executive benefits
Transition
Succession
Continue
Business continuity
Buy-sell planning
When One Owner Is Gone, Who Buys Their Share?
A buy-sell agreement can describe the transfer. Insurance funding can help make it possible when liquidity matters most.
Owner A ←→ Owner B
Owners hold coverage on one another and may purchase the departed owner’s interest.
Owners ← Business → Interest
The business holds coverage and may use proceeds to redeem an ownership interest.
Advanced planning
Fully Insured §412(e)(3) Plans
Specialized defined-benefit arrangements may be relevant to certain businesses and owners. Plan design, funding and suitability require qualified professional analysis.
Industries
Built for Businesses Where People Drive the Value.
Planning tools
Better Questions Start with Better Inputs.
Business Life Insurance Needs Calculator
Estimate obligations, continuity needs and owner-related exposures.
Key Person Insurance Calculator
Explore exposure associated with losing a critical person.
Buy-Sell Funding Calculator
Estimate funding associated with ownership percentages and business value.
§412(e)(3) Educational Estimator
Explore whether a specialized fully insured defined-benefit strategy may warrant professional analysis.
Educational illustration only. Not a quote, actuarial calculation, tax or legal advice, or individualized financial or insurance recommendation.
Private business planning conversation