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Solution 08 · Business protection

Protect the business
you built.

A business may support owners, employees, families and a future generation. Protection planning helps prepare the enterprise for the moments when continuity matters most.

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Complimentary conversation. No obligation. Education comes first.

Business owners and an advisor discussing continuity planning in a private office
Continuity is a strategyProtect the people, value and promises behind the enterprise.

Plan beyond day-to-day operations

What happens to the business
when life changes?

The absence of an owner or essential employee can affect revenue, credit, client relationships, operations and the families whose financial lives are tied to the company.

Life and disability insurance may help fund specific business risks, but the coverage must be coordinated with agreements, valuation, ownership, tax guidance and a practical continuity plan.

01

Protect key people

Create resources that may help the business absorb the loss of a vital owner or employee.

02

Fund ownership transitions

Support buy-sell obligations and a more orderly transfer among owners or families.

03

Strengthen benefits

Explore executive and employee strategies that can help attract, retain and reward important talent.

04

Protect family value

Help preserve the economic value the business represents to owners and those who depend on them.

Protect the enterprise, not only the owner

Business risk lives
in the relationships.

Ownership, talent, cash flow, agreements and family expectations all intersect. We help identify the insurance questions that belong in the broader continuity conversation.

Start a continuity review
01

Who is essential to enterprise value?

Owners, rainmakers, technical leaders and relationship holders may create different financial exposures.

02

Is the buy-sell agreement funded?

An agreement defines intent; funding helps determine whether the intended transaction can actually occur.

03

How current is the business valuation?

Coverage and agreements can become outdated as revenue, ownership and enterprise value change.

04

What do employees and families need?

Continuity includes communication, leadership, compensation, survivor needs and the time required to transition.

Protect value with structure

Turn business dependence
into a continuity plan.

We define the financial exposures, explore funding strategies and coordinate with the company’s professional advisors.

  1. 01

    Identify the exposures

    Map essential people, ownership obligations, family needs and operational dependencies.

  2. 02

    Review the documents

    Examine existing policies, buy-sell terms, benefits and available valuations.

  3. 03

    Design the funding

    Compare insurance structures, ownership, beneficiaries, costs and guarantees.

  4. 04

    Coordinate and maintain

    Align with legal and tax professionals and revisit the plan as the company grows.

Protect what your work supports

Business continuity can begin
before a crisis tests it.

Meet with an SLA licensed professional to explore how insurance may support your owners, key people, employees and the families behind the business.

Schedule a Complimentary Review General education only. Any recommendation requires an individual review of your circumstances and eligibility.