Business life insurance

Business Continuation Insurance - The Hartford

Business Continuation Insurance QUICK SUMMARY For many small- and medium-sized businesses, business continuation insurance serves as a useful element of succession planning and can be a vitally important part of a business continuity plan. Usually consisting of life and disability policies structured to meet the business continuity needs of the owners of a business, should a partner die or become unable to participate in a company’s ongoing operations, these policies are payable per the terms of an ownership transition contract – typically either a buy-sell, cross-purchase or entity purchase agreement. Business continuation insurance is a risk management strategy that enables...

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Auto, Home, Business, Life, Motorcycle, Health Insurance: Monessen, PA,

Defurio Mongell & Associates: Cheapest Car, Home, Health, Life, Long Term Care & Commercial/Business Insurance Agency operating in Monessen, PA Affordable Monessen, PA Car Insurance, Home Insurance, and Business Insurance Welcome to our Monessen, PA insurance information page, we are glad that you found your way to the online home of Defurio Mongell and Associates. We are a locally based company that is proud to serve this unique Westmoreland County city. Our agency has been providing auto insurance, home insurance, and commercial insurance in this area for over a quarter of a century, and we are not going to slow down any time soon. Regardless of where you may live, from City...

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Life Insurance For Business Owners

4 Ways Life Insurance for Business Owners Can be Utilized 1. Fund a Buy-Sell Agreement With Your Partners You are a closely-held business owner, and you have just put a buy-sell agreement together. It will require the corporation (if it is a stock redemption agreement) or the remaining shareholders (in the case of a cross-purchase agreement) to buy the stock of a deceased, retiring, or permanently disabled stockholder. It would require the estate of the stockholder to sell under a formula devised while all parties are alive and well. Now the key question - how to fund the agreement? There are generally five accepted solutions: Personal funds of the buyers: most successful business people...

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What life insurance cover should business partners have?

Life insurance for business partners Why should business owners consider business partner insurance? Taking out sufficient insurance cover is a fundamental step of business planning. From insuring against fire and theft to income protection, there’s a range of covers that are simply a necessity for business owners. It's also important to think about having cover in place in the event that one of the business partners or key employees suffers a serious illness, injury or passes away. Buy-Sell Life Insurance and Key Person Insurance can provide the means for business succession in the event that a business partner or employee becomes permanently disabled or passes away. This article will...

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5 Reasons Why It’s a Good Idea for Business Owners to Own Life Insurance

Whole Life Insurance provides an Ideal place for Business Capital Each time that a premium is paid into a whole life insurance policy an increasing percentage of that premium builds cash value. As the contractual owner of the life insurance policy, the business owner has first rights to the cash value. When business expenses arise, the business owner can leverage against the cash value of the policy to satisfy the business expense. Business capital is then redirected back to the life insurance company making those funds available again for future business expenses. Instead of paying high interest rates to a financial institute, this business owner finances their expenses in a way that...

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Building Business Continuity with Life Insurance - Doeren Insurance

Building Business Continuity with Life Insurance Successful companies are made up of key employees and strong leaders, so it’s important to keep business continuity on top of mind to ensure your legacy continues to live after your exit. Furthermore, business continuity planning is vital to the owner’s company and family. Without a well-thought out and crafted business survival plan, the consequences for owner’s employees, customers, and most importantly, family and estate can be devastating. Life insurance can help mitigate these risks by serving as a funding tool for your plan. Consider these steps to ensure your business continuity: Develop an Incentivized Plan Create a written plan that...

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Business Life Insurance National Retirement Group

B usiness Succession/Continuation Business life insurance can be a simple funding vehicle that is relatively easy to administer. The availability of death benefit from life insurance ensures that adequate liquidity will be available when an owner dies, thus avoiding a potentially adverse impact on working capital. Without life insurance, the business or surviving owners may be contractually required to purchase the seller’s interest at the seller’s death, but lack the necessary liquidity. Life insurance, particularly cash value life insurance, can provide the needed liquidity when it is required. Many employers provide selective benefits to key employees to enhance the benefits normally...

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LIFE INSURANCE — USPA Member Benefits Insurance For Individuals Business

For Individuals LIFE INSURANCE COVERS THE BASICS, AND THEN SOME In these uncertain times life insurance is a must to have in anyone’s financial toolbox. Coverage you can count on – in good times and bad. Help maintain heirs’ lifestyles. Your death may result in a significant reduction of your family’s current income. Life insurance proceeds can help to replace your lost earning power and pay the mortgage or rent. Provide immediate liquidity. The death benefit can help pay debts, mortgages and expenses such as probate, funeral or final medical costs. Pay estate taxes. Even large estates are often cash poor if they are composed primarily of assets such as closely held business interests, real...

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Life Insurance for Businesses - Lewis Insurance AssociatesLewis Insurance Associates

Life Insurance for Businesses You are your Business. Protect it by covering you as the business owner. Ask us today for your Life Insurance proposal. What types of policies are available? The types of policies are the same for businesses as they are individuals. There are two basic types of life insurance policies: Term insurance- provides protection for a specified period of time as long as the premiums are paid. Permanent insurance- provides protection designed to remain in force your entire lifetime as long as the premiums are paid. What situations would prompt my business to consider life insurance? Key man insurance provides peace of mind to business owners knowing that the business...

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Business Life Insurance - Hospitality Insurance Agency

Business Life Insurance Services Hospitality Insurance Agency also offers various busines-related life insurance products including Buy Sell Insurance and Key Man Insurance. What is Buy Sell Insurance? Within a closely held corporation, shareholders are often concerned about what might occur if one of the owners dies. Will the deceased shareholder’s family retain the economic value of the corporate interest? Can the surviving owners avoid interference from the deceased shareholder’s family? Will the survivors have the economic resources to redeem the deceased owner’s interest? Given these concerns, corporate owners are best served by entering into a buy sell agreement while they are all...

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