Salary Continuation

A salary continuation program ensures that you and your employees are paid a salary in the event of a disability. Because it provides a formal written plan, your business can receive a tax deduction.

Key Employee

Key employee insurance protects your business against the loss of a crucial employee. At the death of a key person, your company receives income tax-free insurance benefits. Your business is protected from the financial impact of the loss. Key person insurance also helps cover your expenses in finding a replacement.

Buy/Sell

A buy/sell agreement ensures a smooth transition of management and control of your business if one of the owners dies or becomes totally disabled. Funded with insurance, a buy/sell agreement provides benefits for the deceased or disabled owner’s family and for the new owner of the business.

Overhead Expense

A disability overhead expense policy provides you with needed funds to pay the immediate fixed costs (rent, salaries, etc.) of keeping your business open until a disabled owner returns to work.

Disability Buy-Out

A disability buy-out agreement establishes a pre-determined price and a buyer for your business interests in the event you become disabled, as defined in the policy.