How To Recover from a Decline

How To Recover from a Decline

Getting declined for life insurance is very serious While a decline doesn’t necessarily mean an insurance company believes you are going to die very soon, it does mean they have concerns about your statistical life expectancy or personal history, or activities....
Keyman Coverage

Keyman Coverage

 How term insurance can protect your business Term insurance can protect a business, its’ owners, and management in a variety of ways. Your employees are assets bu some of them are so critical that the business can’t run without THEM. Key-man coverage with life...
Buy-Sell Arrangements

Buy-Sell Arrangements

How to use term insurance to protect your business in buy-sell arrangements A buy-sell arrangement is a formal contract between parties that have, or could have, an interest in a business. These arrangements are generally designed by attorneys to suit the specific...
Executive Bonus/Golden Handcuffs

Executive Bonus/Golden Handcuffs

Whole life insurance can be a great executive bonus to help your your business attract and retain top talent Using a life insurance policy as an executive bonus arrangement and/or as “Golden Handcuffs” is a great way to have offer a retention bonus to select...
Income Replacement Coverage

Income Replacement Coverage

How would your family survive if you could not work and earn an income? Income replacement coverage is just what the term implies, covering the future income, for those who are counting on it, family, business partners, creditors, etc. However, the income replacement...