Business Owner Protection

Coverage strategies designed to help protect companies, owners, partners, and key employees.

Why It Matters

Why Business Owners Need Protection

Business owners often carry personal and business financial responsibilities. Life insurance can help protect the company, employees, partners, and family members if an owner or key person passes away unexpectedly.

Solutions

Business Protection Solutions

Key Person Insurance

Helps protect a business if an important owner, executive, salesperson, or operator passes away. The business can use the death benefit to help cover lost revenue, replacement costs, recruiting, debt, or transition expenses.

Buy-Sell Funding

Helps business partners create a clear plan if one owner passes away. Life insurance can provide the funds needed for the remaining owner or company to buy out the deceased owner’s share.

Executive Bonus Plans

A strategy where a business can help provide life insurance benefits to key employees or executives as part of a retention or compensation package.

Business Loan Protection

Coverage designed to help pay off or reduce business debts if a key owner passes away.

Group Life Insurance

Employer-sponsored life insurance coverage that can be offered as an employee benefit.

Owner Family Protection

Coverage that helps make sure the owner’s family is financially protected if the business income stops unexpectedly.

Who This Is For

Who This Is For

Small business owners
Partnerships
Family businesses
Real estate investors
Contractors
Medical and professional offices
Sales organizations
Companies with key employees
Businesses with loans or debt

Planning

Business Planning Questions

  • What happens to the business if an owner passes away?
  • Who would take over operations?
  • Would the family receive fair value?
  • Could the business survive losing a key producer?
  • Are business loans personally guaranteed?
  • Is there a funded buy-sell agreement in place?

Protect the business you are building.

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