Key Person & Buy-Sell Coverage
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 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.
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.
Executive Benefit Plans
NQ 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.
Provides excess or supplemental life insurance to a select group of employees with no to minimal earnings impact to the company.
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.
Executive Disability Plan
Highly compensated employees may have significant gaps of "uncovered" income in the event of a disability. An executive disability plan insures those gaps.