Business Life Insurance, Disability & Employee Benefits
Your employees are one of your greatest assets—and protecting them (and your business) with the right coverage is essential for long-term success.
Business Life Insurance, Disability, and Employee Benefits help you attract top talent, retain your workforce, and safeguard your company’s financial future.
Business Life Insurance
Business life insurance provides financial protection for your company in the event of the unexpected death of a key employee, business partner, or owner.
Types of coverage include:
Key Person Insurance
- Offers a financial cushion if a vital employee passes away, helping cover lost revenue, hiring, or transition costs.
Buy-Sell Agreements
- Funded by life insurance, this ensures business continuity if one owner or partner dies—allowing the surviving partner(s) to buy out the deceased’s share.
Executive Bonus Plans
- A tax-efficient benefit that helps reward and retain top executives using life insurance policies.
Business Disability Insurance
Disability coverage ensures your business or key employees are protected in case of illness or injury that prevents them from working.
Options include:
Key Person Disability Insurance
- Provides income to the business if a key employee becomes disabled.
Business Overhead Expense Insurance
- Covers operating expenses (rent, utilities, salaries) while the business owner is disabled.
Disability Buy-Out Insurance
- Funds the buyout of a disabled owner’s interest in the business.
Group Employee Benefits
- Offering employee benefits not only boosts morale—it also improves retention and helps your business stay competitive in today’s market.
- Popular group benefits include:
- Group Life Insurance
- Short-Term & Long-Term Disability Insurance
- Health & Dental Insurance Packages
- 401(k) and Retirement Plans
- Accidental Death & Dismemberment (AD&D)
- Wellness Incentive Programs
Why It Matters
1
Attract & retain talent with a competitive benefits package
2
Protect business operations from financial disruption
3
Prepare for ownership transitions or loss of key people
4
Promote a culture of care that improves employee satisfaction
Cost Factors
Pricing depends on:
Number of employees
Type of coverage and benefit amounts
Industry and business size
Health risk factors and plan design
We offer custom solutions tailored to your team size, goals, and budget—whether you have a small team or a growing company.
