Inventory-heavy, cash-handling-intensive, and the license alone can be worth more than the store.
Heirs can't legally operate. Store sits closed. License can lapse. Six-figure asset vanishes.
Buy-sell with a successor named in advance. Life insurance funds immediate buyout so operations continue uninterrupted while licensing transitions.
Working capital depleted. Supplier terms tighten. Death spiral of margin compression.
Strong P&C strategy coordinated with your personal income protection — if the owner is injured in a robbery, DI + BOE kick in.
Owner retires without planning; store is sold for a fraction of value because no outside buyer is ready.
ESOP-lite or external buy-sell structured years in advance. Owner's retirement is funded by the sale, not dependent on it.
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.
