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Business Products

Most business owners are surprised to learn about the variety of products available to them beyond a disability plan. Key employee plans, business overhead, and buy-sell agreements are all important products for business owners to be aware of in order to protect their business and finances now as well as in the future.  I would love to meet with you via zoom or in your office to discuss these types of coverage.

 

Key Employee / Executive Bonus - Here, the employer pays some portion of the premiums to fund a life insurance policy on the employee. This helps in a variety of ways: 

  • Enhances their compensation and benefits package

  • Assists with recruiting efforts and retention of the employee

  • Policy is owned by the employee  - can be retained at retirement or if leaving employment or providing a benefit to the beneficiaries upon their passing.

 

An overhead policy assists with expenses if the business owner were to become ill or disabled.  It assists with paying for rent/mortgage payments, utilities, supplies, and employee wages. 

The best part is the coverage periods can be customized and disability coverage can be added to these policies as well.

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