Who we help
Life Insurance for Business Owners
As an owner, your life insurance may need to do two jobs: protect your family and protect the business. Key-person coverage and funded buy-sell agreements help a company stay stable through a difficult transition.
What this often looks like
- A business that depends on you or a key employee
- Partners who want a clear, funded plan for succession
- A family whose finances are tied to the business
Worth thinking about
Separate the business and personal needs
You may want personal coverage for your family and business-owned coverage for continuity — they solve different problems.
Fund the buy-sell
A buy-sell agreement, drafted with your attorney, can be funded with life insurance so owners and families have a clear path.
Get the structure right
Ownership and tax treatment matter; coordinate with your attorney and tax professional.
Where people often start
Frequently asked questions
Who owns key-person coverage?
The business typically owns the policy, pays the premiums, and is the beneficiary. The insured is the key owner or employee.
Do I need an attorney?
For a buy-sell agreement, yes — it should be drafted with your attorney. We coordinate the insurance that funds it, and you should consult a tax professional.
Let's talk about your situation
Every family and business is different. Tell us what you're navigating and we'll help you understand the options that may fit.