Any owner, any industry. The four risks are the same; the coverage sizing is what changes.
Family inherits an unsellable business. Employees quit. Clients leave. Asset depreciates to near-zero in 90 days.
Written succession plan + funded life insurance + identified successor. Business continues or is sold at fair value.
Working partner carries 100% of load while paying 50% of distributions. Resentment and dissolution follow.
Disability buy-out insurance triggers after a defined period. Working partner buys out disabled partner with proceeds.
Owner tries to live on the sale proceeds only. Tax hit on exit is brutal.
Mix of qualified plan (SEP/Solo 401(k)) + non-qualified deferred comp + IUL for tax-free supplementation.
Indexed to 100 at year 1. Hand-set illustrative scenarios — not a projection.
Illustrative example — not a guarantee or projection. Individual business outcomes depend on industry conditions, carrier underwriting, state availability, and many other factors. Insurance and annuity guarantees are backed by the financial strength and claims-paying ability of the issuing carrier.
Carrier selection depends on your state, underwriting, and the specific product. Not an endorsement.
You've seen the playbook for your industry. A 15-minute call confirms which pieces (buy-sell, key person, 162 bonus) apply to your entity structure — no obligation.
