Business Solutions
Life insurance isn't just for families. These employer-sponsored strategies help businesses attract, retain, and protect their most valuable people — while creating real financial advantages.
Executive Bonus Plan (Section 162)
Reward and retain your talented employees.
The business pays a bonus to a select employee, who uses it to fund a permanent life insurance policy they own. The employer deducts the bonus, and the employee builds tax-advantaged cash value. A powerful retention tool with no ERISA complexity.
Best for: Business owners, key executives, select employee incentives
Endorsement Split Dollar
Employer cost reimbursement with an incentive to retain.
The employer and employee share the cost and benefits of a life insurance policy. The employer is reimbursed for premiums paid upon death or policy surrender, while the employee gets valuable coverage and a retention incentive.
Best for: Employers who want cost recovery, executive benefit programs
Buy-Sell with Life Insurance
Protect the continuity of your business.
A legally binding agreement funded by life insurance that ensures surviving business partners can buy out a deceased partner's share — at a fair price, without liquidating assets or taking on debt. Keeps the business running and the family protected.
Best for: Business partners, partnerships, multi-owner LLCs and S-corps
Nothing in this section constitutes tax or legal advice — consult a qualified advisor.