Protecting My Business

How can we help?

Owner Benefits

As a business owner, you may be able to provide yourself with long-term care insurance and claim the expense (or a substantial portion of it) as a business expense. You may also benefit from sophisticated strategies to use business income to fund life and disability benefits for yourself. We can help you make take advantage of opportunities to provide yourself with valuable tax-favored benefits.

Key Person Loss

You know who they are – the people in your business you count on the most. What would happen if they were suddenly lost or incapacitated? Key Person Life and Disability Insurance can cover the cost of temporary personnel, recruiting and training a replacement, offsetting lost profits, or compensating shareholders for buying out the person’s business interest. We can help you set up a plan.

Executive Benefits

Don’t let your competitors or a bigger company lure away your most important talent! Retain your key leaders with an effective executive benefit plan. We can help you design and execute a plan for 1 to 100 executives, using any of several available strategies that are both affordable and easy administer. Some strategies provide a current tax deduction for the company, and tax-favored growth and distributions for your key leaders. We’ll help you select the right plan.

Buy-Sell Arrangements

As a business owner, you’ve spent years building a valuable financial interest in your company. What happens to that value when you (or a business partner) pass away or become incapacitated? If the answer is selling the business or your part in it, specially designed life and disability insurance can create a sum of money that can be used to pay your family (or your partner’s family) the full value of the ownership interest. We can help you cover all contingencies.

Disability Insurance

How much would your business miss you if you were too sick to work? Even if you’re not the sole driving force behind your profits, bills may start piling up if you’re not holding the reins. Business Overhead Insurance can help cover rent, equipment leases, inventory costs, and even payroll while you’re recovering.

Individual Disability Insurance pays you directly once your claim is approved. You can use the money as you wish, to cover