Key Person Life Insurance
Protect your business from financial losses upon the death of a key employee critical to business operations. Key person insurance can function as a form of commercial loan protection and can provide needed funds when a business is to be continued, sold or liquidated.

Executive Equity
Provide selected employees with valuable Executive Equity life insurance in their benefits package. Employer-paid premiums are fully tax-deductible as compensation to the employee with death benefits paid directly to the employee's beneficiary.

Key Person Buy-Out Agreement
Ensure a seamless business and stock transfer solution upon the death of a key owner. This strategy allows a key person to insure the life of an owner under the arrangement that the owner agrees to sell all of his business interest to the key person upon the owner's death.

Restrictive Bonus Plan
Offer an attractive "golden handcuff" to key employees with a restrictive bonus plan life insurance benefit. Tax deductible employer paid premiums and restrictive employer endorsements protect corporate interests during the lifetime of the employee.

Deferred Compensation
Allow selected management or highly compensated employees to defer income until after retirement. Deferred compensation insurance offers multiple tax advantages to both the employer and the participant, and the plan can also be structured to provide disability benefits to the employee.