Planning for the unexpected is always a smart move and life insurance can provide a cost-effective way to protect your business interests from things like the loss of an owner or a key employee. Life insurance can also help you with:

• Key person insurance
• Business loan protection
• Buy-sell funding
• Funding capital gains tax on a business at death
• Split dollar arrangements

 Insurance plays an important role with business owners by helping with:

• Tax-sheltered investing
• Tax-efficient transfer of assets at death
• Estate equalization

In addition to insurance products, you may want to look into a Group Benefits Plan. Many businesses find them helpful in attracting and retaining employees by offering prescription drug and dental along with disability insurance and more. You design the plan based on your business needs and budget.