Planning for the Unexpected
Your business depends on key people, and your family depends on your business. Losing an owner or top employee can disrupt cash flow, strain lenders and customers, and leave partners without a clear path forward.
We help business owners put the right protection and agreements in place, reward and retain top talent, and plan an orderly transition when the time comes. We also offer the SIMRP Employee Wellness Plan, a benefit that can raise employees’ take-home pay and lower employer payroll taxes.
What We Help With
- Key person insurance
- Buy-sell agreements
- Executive benefits
- Business succession
Business Solutions
Protection and planning tools that keep your business, partners and team on solid ground.
Key Person Insurance
Buy-Sell Agreements
Executive Benefits
Business Succession
Employee Benefit
The SIMRP Employee Wellness Plan
Give employees telemedicine, mental health support and wellness programs with $0 copays, funded through pre-tax payroll. It can raise your team's take-home pay and lower your payroll taxes.
How We Work Together
A simple, no-pressure process from first conversation to ongoing support.
1
Free Consultation
We learn about your family, business and goals, and answer your questions with no obligation.
2
Personalized Strategy
We compare options and design a plan that fits your needs, timeline and budget.
3
Simple Implementation
We handle the applications and paperwork and keep you updated every step of the way.
4
Ongoing Reviews
We review your plan regularly so it keeps working as your life changes.
Frequently Asked Questions
What is key person insurance?
Key person insurance is a life insurance policy the business owns on an owner or critical employee. If that person dies, the business receives the death benefit to help cover lost revenue, hiring costs or debts.
How does life insurance fund a buy-sell agreement?
Each owner (or the business) holds coverage on the other owners. If an owner dies, the death benefit provides the cash to buy their share at the agreed price, so the business continues and the family is paid.
What are executive benefits?
Executive benefits are supplemental plans, often funded with life insurance or annuities, that provide extra retirement income or protection for key employees beyond what qualified plans allow.
What is the SIMRP Employee Wellness Plan?
It is an employer-sponsored wellness benefit funded through pre-tax payroll that gives employees telemedicine, mental health support and wellness programs with $0 copays, while it can increase their take-home pay and lower employer payroll taxes.
Ready to Secure Your Future?
Book a free consultation. We’ll review where you are today, answer your questions and map out your next steps.
- Free consultation
- No obligation
- Ongoing support
This page is for educational purposes and is not tax, legal or investment advice. Insurance products are subject to underwriting, product availability and the terms of each policy.