For Business Owners
How can we help?
Six ways we help owners and partners. Start with what you need. The first four size the number and hand it to us for review; the last two open the fuller planning picture.
Ownership transition
Buy-sell funding
Life or disability buy-out that funds your partnership or shareholder agreement, sized and stress-tested.
Buy-sell funding →
Business continuity
Key-person protection
Cover the business against the loss of an owner or an essential person.
Key-person →
Financing & compliance
SBA & lender-required coverage
The collateral-assignment condition handled correctly, including complex underwriting and closing-deadline cases.
SBA coverage →
Wealth building
Tax-efficient accumulation
Cash-value strategies that work alongside the business's own retirement plans.
Accumulation →
Exit & succession
Continuation & succession
Keep the business intact through an owner's exit, death, or disability, coordinated with your attorney and CPA.
Continuation →
Family protection
Your personal protection
Your own life, disability, and long-term care coverage, sized to how much your household relies on business income.
Personal protection →
Buy-sell written before the 2024 Connelly decision? A redemption agreement funded by company-owned insurance can now overstate the company's value and the estate-tax result. Read the Connelly review →
Not sure where to start? Talk it through first. No cost, no pressure.
Being pitched a policy or structure, or already own one? We'll show you the math and tell you straight whether it holds up.
Get a second opinion →What a first conversation covers
Your business structure, partner situation, and any existing buy-sell or continuation arrangements. Your existing insurance, personal and business, and where the real exposures are. Your CPA and business attorney, and how we would coordinate with them. And what is prompting the conversation now, whether a specific event, a strategic review, or planning that has been deferred.