Business

Key Person & Buy-Sell Coverage

Key Person

Life Insurance

Key Person Life Insurance is a life insurance policy purchased by a company on the life of a key employee or shareholder.

Key Person

Disability

Key Person Disability Insurance is often the most overlooked risk for companies and its shareholders. We deliver proprietary and institutional disability coverage.

Business Cash Management

Our institutional insurance products offer a business the ability to deliver immediate short-term cash on cash yields with no mark-to-market risk that are competitive to business accounts like money markets and CDs.

Buy-Sell Plan

Funding

In a buy-sell plan, one party agrees to sell and the other agrees to buy a business interest as the result of a triggering event. We insure and fund these events.

Liability Funding

Corporate-Owned Life Insurance (COLI)

We use institutional and proprietary COLI products to fund corporate liabilities as well as provide enhanced earnings for short-term and long-term investments.

Insurance Company-Owned Life Insurance (COLI)

We use institutional and proprietary ICOLI products to fund corporate liabilities as well as provide a tax-efficient alternative for investing assets with a lower RBC charge.

Bank-Owned Life Insurance (BOLI)

We use institutional and proprietary BOLI products to fund bank liabilities as well as provide a tax-efficient alternative for bank-eligible investment alternatives.

BOLI

Rescue

We help banks with legacy BOLI contracts improve performance and restructure the asset with no income tax or MEC penalties. A restructure often results in improved earnings, known liquidity, and improved investment options.

Executive Benefit Plans

Non-Qualified  Incentive Plans

In order to retain and reward key executives, companies often need to provide excess benefit plans beyond stock-option and other equity-based benefits. 

Executive

Life Insurance

Provides excess or supplemental life insurance to a select group of employees with no earnings impact to the company and generally a lower cost to participants when compared to term life insurance premiums.

Key Person Long-Term Care

The risk of a long-term care event is typically uninsured or not factored into a retirement cash flow plan making it a substantial "unknown" financial risk.

Secured Incentive Plan

A Secured Incentive Plan (SIP) leverages a company loan structure to lock-in the low interest rates while allowing the executive participant to own 100% of their benefits.