Key-person protection
Life and disability coverage on the people who drive revenue, relationships, or expertise.
- Funds to recruit and train a replacement
- Reassures lenders, investors, and clients
- Company-owned and company-paid policies
Business life insurance
Protect the people your business can’t run without
Key-person coverage, buy-sell funding, and continuity strategies that keep your company stable through the unexpected.
What happens to your business if a founder, partner, or top performer is suddenly gone?
For many companies the honest answer is “we haven’t planned for that.” We work with owners, their attorneys, and CPAs to put the right life insurance in place, so the business, its partners, and their families are protected.
Business life insurance solutions
Buy-sell agreement funding
Make sure the surviving owners can buy out a partner’s share — at a fair, pre-agreed value.
- Cross-purchase and entity-redemption structures
- Coordination with your attorney and CPA
- Periodic valuation and coverage reviews
Business continuity & strategies
A plan for leadership transitions, retention of key talent, and the future of the company.
- Succession and exit planning support
- Executive retention and bonus strategies
- Reviews as your company and goals change
A planning partner, not just a policy
Owner-focused
We start with your goals for the business and your family, then design coverage around them.
Team approach
We coordinate with your attorney and CPA so the agreement, funding, and taxes line up.
Multiple carriers
We compare underwriting and pricing across carriers to find the best fit.
Ongoing reviews
Business values change. We revisit coverage so it keeps pace.
How we work
A clear process from first call to every renewal
-
Discover
We learn your goals, workforce, budget, risks, and renewal dates — before we recommend anything.
-
Analyze & benchmark
We review your current plans, policies, and claims history, and benchmark them against companies like yours.
-
Market & recommend
We take your program to the market and present side-by-side options in plain language, with a clear recommendation.
-
Implement & advocate
We handle enrollment, employee communication, claims help, and compliance — and stay with you all year.
Frequently asked questions
What is key-person insurance?
Key-person insurance is a life (and sometimes disability) policy that a business owns on an essential employee or owner. If that person dies or becomes disabled, the business receives the benefit to cover lost revenue, recruiting costs, or debt obligations.
How does a buy-sell agreement use life insurance?
A buy-sell agreement sets the terms for buying out an owner’s share if they die, become disabled, or leave. Life insurance provides the cash to complete the purchase, so surviving owners don’t have to take on debt and the departing owner’s family receives fair value.
How much key-person coverage does a business need?
Common approaches include a multiple of the person’s compensation, their contribution to profits, or the cost to replace them. We will help you estimate an appropriate amount based on your situation.
Start a business continuity conversation
A short call is enough to see where you are protected and where you are exposed.