Business Owners

When you feel confident about the future you can carve more fun out of the present

Business Planning & Protection

Preserve the value of your business. What would happen to your business if:

  • An owner or key employee became too sick or hurt to work?
  • An owner or key employee died unexpectedly?
  • An owner exited the business with minimal notice?


Protection comes in many forms.

  • Key person life insurance policies generally pay an income-tax-free1 death benefit to the business, to help offset the financial hardship of losing an owner or key team member.
  • Key person replacement disability insurance provides funds for recruitment, training, temporary staffing costs, and other needs after a total disability claim.
  • Stay bonuses give key employees a financial incentive to stay on after the exit of a business owner.
  • Overhead expense (OE) insurance provides reimbursement to cover immediate overhead costs if the business owner becomes too sick or hurt to work.

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