Is Executive Insurance Right for You?

The type of insurance you buy should be based on your needs, so that’s why my team and I work with you to find the best option for you.

You May Need Executive Insurance If You Are:

  • A Sole Proprietor or Business Partner
  • Concerned about running your business in the case of illness
  • Wanting to minimize disruptions to your business in the event of a health problem

Executive Insurance

Whether you have business partner(s) or are a Sole Proprietor, it is vital that your business runs smoothly no matter what health concerns you have.

Executive Insurance protects key employers/employees to minimize disruptions with your business.

Buy/Sell Insurance

If you have a partner in your business chances are you have a buy/sell agreement. Is it funded? With a Buy/Sell Agreement, if something happens to your partner, you would be working with your ex-partner’s spouse. Do they have the expertise to help you run the business? Do you have the cash flow to buy them out? You would with Buy/Sell insurance.The best part is that the insurance policy could be owned by the company so the tax free payout flows through the capital dividends account, tax free to the surviving partner

Buy/Sell Insurance Is Right For You If You Are:

  • Have a buy/sell agreement but need funding for it
  • have a business partner

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    Key Person Insurance

    Key Person Insurance is protection on the key person in a business. In a small business, this is usually the owner, the founders or perhaps a key employee or two. These are the people who are crucial to a business–the ones whose absence would sink the company.

    A company purchases an insurance policy on its key employee(s), pays the premiums and is the beneficiary of the policy. If that person unexpectedly gets sick or dies, the company receives the insurance payoff. The purpose of key person insurance is to help the company survive the blow of losing the person who is a key member to make the business work.

    The company uses the insurance proceeds for expenses until it can find a replacement person, or, if necessary, pay off debts, distribute money to investors, pay severance to employees and close the business down in an orderly manner. In a tragic situation, key person insurance gives the company some options other than immediate bankruptcy.

    Key Person Insurance Is Right For You If You Are:

    • One or more significant employees
    • Protecting long standing employees you can’t live without
    Find out more about Executive Insurance

    Taking the lessons I learned in 20+ years of my career in manufacturing, I now exercise my financial
    expertise as an Insurance Broker dedicated to helping my clients

    ‘Sleep Well At Night’

    Learn more about Allan and his Team