Business Perpetuation planning is a process to continue the existence of a business at the retirement, death or disability of the current leadership. The funding portion of this process can come from life or disability insurance policies and often leads to a buy-sell agreement.

Key Person Life Insurance
Insurance an employer buys on a key person within the organization to protect that employer from the financial impact that could result should that employee become ill, disabled, or die. This insurance may be life, health, or disability. Normally, the employee covered has special skills, training, management, or significant attributes that would cause the organization loss of income should that employee become unavailable and a replacement need to be hired or trained.

Disability Insurance
Disability Insurance is a form of health insurance coverage which provides benefits in the form of monthly income to the business in the event a key person is disabled by sickness or accident.

Buy-Sell Agreement
Buy-Sell Agreement is an agreement between two or more people for the future value of the company stock at retirement, death, or disability of the parties involved. The agreement is written by an attorney with the parties signatures of approval. These agreements are reviewed and rewritten often as things change. An insurance agent is needed for the funding portions of the death and disability insurance components.

Our knowledge and superior level of service offers you financial analysis, access to products, and the individual planning resources needed to attain a secure future for you and your business.

• Retirement
  • Retirement Plannings
  • Business Continuation
  
  
  
  • Download Our Brochure (pdf)

Providing the best in class carrier selection. With the Strength and Competitiveness of our carriers… you won’t go anywhere else. Truly a customer for LIFE.

> See our full list of Carriers