The problem
What's actuallygoing wrong withyour business continuity.
- 01
The business depends on one or two people
If a key person is gone, revenue, lender confidence and client relationships can go with them.
- 02
There is no funded buy-sell agreement
An agreement without funding leaves surviving partners negotiating with a family instead of executing a plan.
- 03
Bank covenants require coverage you don't have
Many commercial loans require life insurance on the principal. Missing it can complicate financing.
- 04
Key employees have no reason to stay
Executive benefit arrangements can reward the people your business cannot afford to lose.
Free onsultation
Your Health Insurance Should Fit Your Life — Not the Other Way Around.
One conversation. Multiple options. Personalized guidance to help you find the right coverage for yourself, your family, or your business — at no cost to you.
How We Help
Business Owner Protection
Keeping the business standing when a person is not
Business protection uses life and disability coverage to fund the events that would otherwise force a sale or a shutdown: the loss of an owner, the loss of a key producer, or a partner's exit.
We coordinate with your attorney and accountant so the coverage amounts match the agreements on paper.
Important considerations
- Valuation used to size buy-sell funding
- Key person coverage on revenue-critical staff
- Loan and lender coverage requirements
- Executive benefit arrangements for retention
Frequently asked questions
Business Owner Protection
A policy the business owns on an individual whose loss would materially hurt revenue. The business receives the benefit and uses it to stabilise operations.
Usually with life insurance on each owner so the surviving owners have the cash to purchase the departing owner's share at the agreed value.
Often yes, though tax treatment varies by structure. We review it with your accountant.
Yes, along with sole proprietors and family-owned businesses.
Coverage should be reviewed whenever ownership, valuation or debt changes materially.
What makes us apart
Life & Family
Protection
Final word
Get your free life insurance consultation. Serving all of California.
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