Key Person Insurance

Many businesses have a key person who is responsible for the majority of profits or who has a unique and hard-to-replace skill set, such as Intellectual Property, that is vital to the organisation. An employer may take out a key person insurance policy on the life or health of any employee whose knowledge, work, or overall contribution is considered uniquely valuable to the company. In doing so, the employer would be able to offset the expected costs (such as those incurred in hiring temporary help or recruiting a successor) and losses (such as decreased ability to transact business until a successor is trained).

Investing & Lending

We provide financing and loan services to our clients through third-party institutions and private equity lenders. These loans are typically longer term in nature, designed to finance insurance-based retirement strategy. We also facilitate financing for short-term capital requirements, real estate projects and collateral financing for tax-efficient retirement income, estate planning and philanthropic purposes.

Buy-Sell funding

A buy–sell agreement, also known as a buyout agreement, is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or is otherwise forced to leave the business, or chooses to leave the business.

It may be thought of as a sort of premarital agreement between business partners or shareholders. An insured buy–sell agreement (triggered buyout is funded with life insurance on the participating owners’ lives) is often recommended by business-succession specialists and financial planners to ensure that the buy–sell arrangement is well-funded and to guarantee that there will be money when the buy–sell event is triggered.

Employee Benefits

We offer a wide range of employee benefits including health and medical plans, vision and dental care benefits, travel, life, disability and critical illness insurance.