Business solutions

Your business built you. Now let’s protect it.

Most business owners carry more risk than they realize. One unexpected loss — a key person, a partner, a co-owner — can unravel years of work in weeks. The right coverage doesn’t just protect you. It keeps the business running.

✓ Sole Proprietors ✓ Partnerships ✓ LLCs & S-Corps ✓ Family Businesses ✓ 1–50 Employees ✓ Self-Employed

What happens if you don’t have coverage?

These aren’t hypothetical.

They’re the conversations business owners have after the fact — when it’s too late to do anything about it.

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A key person dies — no coverage

A 3-person HVAC company loses its master technician. Revenue drops 60% overnight. With no key man policy, the owner uses personal savings to stay afloat — and still has to close 8 months later.

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A partner passes — no buy-sell agreement

Two partners own a $1.2M logistics business 50/50. One dies. The surviving partner now co-owns the business with the deceased’s spouse — who wants to sell immediately. Without a funded buy-sell agreement, there’s no clean exit. Litigation follows.

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No succession plan — the business dies with the owner

A self-employed contractor passes suddenly. No life insurance beyond a small employer policy. The business had $380K in receivables and equipment — none of it liquidated properly. The family receives far less than the business was worth.

Core solution

Key person insurance

Protect revenue tied to one critical employee, producer, or operator whose loss would create immediate instability.

Core solution

Buy-sell funding

Give partners a clean, funded path for ownership transfer instead of conflict, court, or a forced sale.

Retention

Executive bonus planning

Use life insurance as a premium retention tool when you want something stronger than basic benefits alone.

Owner strategy

Business owner personal planning

Fix the blind spots self-employed owners often carry: life insurance, retirement accumulation, disability, and legacy protection.

Real-world examples

What the right coverage actually looks like.

These scenarios illustrate how business owners use life insurance strategically — not just as a safety net, but as a business tool.

Key Man Insurance · Example$500KSoftware Firm · 8 Employees

Their lead developer generates roughly 70% of client revenue. If he left or passed, the business would face an immediate crisis. The owner wanted protection without tying up capital.

Solution: $500K key man term policy on the developer. Monthly premium: ~$85. If the worst happens, the business has a cash runway to recruit, retrain, and survive — instead of scrambling.

Buy-Sell Agreement · Example$1.4MTwo-Partner Construction Company

Each partner wanted to ensure that if one died, the surviving partner could buy out the deceased’s share without conflict — and the family would be taken care of without being forced into the business.

Solution: Cross-owned life policies — each partner insures the other for $700K. Upon death, proceeds fund the buyout cleanly. No courts, no disputes, no forced sale.

Executive Bonus Plan · Example$300/MOMedical Practice · Retaining Top Staff

A physician group was losing top-performing staff to larger hospital systems offering better benefits. They needed a retention tool that was tax-efficient and didn’t require a full group benefits overhaul.

Solution: Executive bonus IUL for 3 key staff. The practice deducts the premium as a business expense. Each employee builds personal cash value. Two out of three staff turned down competing offers.

Business Owner Personal Planning · Example$1,200/MOSelf-Employed Contractor · No Employer Benefits

A general contractor, age 44, had no life insurance, no retirement plan, and no disability coverage — all things W-2 employees take for granted. He wanted everything fixed in one conversation.

Solution: $750K 20-year term ($110/mo) + IUL for retirement accumulation ($800/mo) + short-term disability rider. Full protection stack built around his cash flow.

Free business coverage review

We’ll look at your current structure, identify the gaps, and show you exactly what protection would cost — no commitment required.

Book my business review →