Business Owner & Individual Planning
If the business stops when you do, it is not yet an asset — it is a job with risk attached. We protect the company, the partners and the family in one structure.
Key person coverage
Cash for the company if the person who drives revenue is suddenly gone — to keep payroll running and buy time to hire.
Buy-sell funding
Insurance behind the shareholders' agreement so a surviving partner can buy the shares — and the family gets paid fairly.
Corporate-owned policies
Fund permanent coverage with corporate dollars and use the capital dividend account to move value out tax-efficiently.
Owner income protection
Disability and critical illness designed for self-employed income, where there is no group plan to fall back on.
Health Spending Accounts
Turn personal medical and dental costs into a deductible business expense — often the simplest win for a small corporation.
Small group benefits →
Benefit plans for teams of two and up, quoted across carriers and renewed with the claims data in hand.
