For Business Owners

Protect the business you've built.

If your business depends on a few key people, or on you, a plan for the unexpected protects your company, your partners and your family.

Key person insurance

Life insurance a business owns on someone it can't easily replace.

Buy-sell agreement funding

Using life insurance to make sure a buy-sell agreement actually has the money to work.

Executive bonus plans

A simple way to reward and help retain key people with life insurance they own.

Is your business protected?

A quick self-check. Nothing you tick is saved.

If a key person died or became disabled, could the business keep running?
Do you have a written buy-sell agreement?
Is it funded?
Has the business been valued in the last 2–3 years?
Does your plan cover disability and retirement, not just death?
Do your top employees have a reason to stay?

Book a business protection conversation

IAM helps with the insurance that funds these plans. Legal agreements should be drafted by your attorney, and tax treatment reviewed with your CPA.

Advanced concepts are described in general, simplified terms for education only. They involve legal, tax and financial considerations that depend on your situation and on current law, which can change. IAM Money Management does not provide tax or legal advice; consult your attorney and tax professional before implementing any strategy. Life insurance and annuity products are issued by insurance carriers, and features, costs and guarantees vary by carrier, product and state. Guarantees are backed by the claims-paying ability of the issuing carrier.