Corporate Estate Preservation

A corporate estate preservation strategy provides business owners with a cost-effective way of preserving capital and enhancing the value of their estates. By using some or all of your business' existing passive corporate assets to fund a life insurance policy, you can take advantage of the tax-advantaged growth within an exempt life insurance policy to minimize annual taxes.

Key Person Insurance

Businesses can often be at risk of being dependent on the expertise of just a few key employees, such as a manager, a leading contributor to the sales force or one who maintains crucial customer relationships. Without the implementation of a sound business plan, the death or disability of a key person could significantly impair the growth or stability of a business. Key person insurance is an important component of any financial plan and may reduce the impact of the loss of a key employee on a business. If a key employee dies or is unable to work at any time before retirement because of a disability, a key person insurance policy could provide the business with some financial means to manage the loss of the employee and preserve the value of the business.

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