High-turnover staff, personally-guaranteed leases, equipment financing, and razor-thin margins.
Revenue halves within weeks. Landlord calls personal guarantee on the lease. Equipment loans accelerate.
Disability income with a short elimination period + BOE to cover rent/payroll/loan payments during recovery.
Remaining partner inherits the debt and the operational load. Ex-partner's family sues for equity return.
Buy-sell on each partner, pre-valued, funded with life insurance. Debt coordinated separately.
Lenders accelerate loans; landlord enforces personal guarantees against the estate; family loses everything.
Life insurance sized to pay off accelerated debts + buy out partner's family + provide income replacement.
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.
