The Legal and Tax Risks of Not Having Executive Disability Insurance in Place
The Hidden Liabilities of Inadequate Executive Protection Many corporations focus intently on executive disability benefits for their rank-and-file employees while dangerously overlooking coverage for their most valuable…
What’s the Difference Between COLI and Key Person Insurance?
Fundamental Differences in Purpose and Structure When business owners evaluate protection strategies for their leadership teams, they often encounter two distinct solutions: corporate-owned life insurance (COLI) and…
High-Value Employee Coverage for Biotech and Healthcare Leadership Roles
Understanding the Critical Need for High-Value Employee Coverage in Life Sciences The biotechnology and healthcare sectors face unique challenges when it comes to protecting their most valuable…
How to Structure Executive Bonus Plans with Life Insurance in 2025
The Strategic Value of Life Insurance in Executive Compensation As we approach 2025, executive bonus plans incorporating life insurance have become one of the most powerful tools…
Business Succession Insurance Plans: Why They Matter in a Founder’s Exit
The Founder’s Dilemma: Protecting Business Value During Transition Every founder eventually faces the complex challenge of transitioning out of their business, whether through retirement, sale, or unforeseen…
Key Person Insurance Requirements for SBA Loans and Bank Financing
The Critical Role of Key Person Insurance in Business Financing When seeking SBA loans or traditional bank financing, most business owners focus on credit scores and financial…
How Corporate-Owned Life Insurance (COLI) Works for Retention & Tax Planning
The Dual Power of COLI: Retention Vehicle and Tax-Advantaged Asset Corporate-owned life insurance (COLI) has emerged as one of the most sophisticated tools in corporate finance, simultaneously…
Key Person Disability Insurance: What Happens If a CEO Can’t Work?
The Hidden Vulnerability in Corporate Leadership Structures While most companies insure their physical assets and properties, few adequately protect against the financial catastrophe that occurs when a…
Executive Life Insurance Strategies for Tax-Free Payouts and Retention
The Strategic Value of Executive Life Insurance in Corporate Planning Modern corporations are increasingly leveraging executive life insurance as a multifaceted financial tool that addresses retention, tax…
Why Every Tech Startup Needs Key Person Insurance in 2025 to Attract Investors
The Critical Role of Key Person Protection in Startup Valuation In the competitive tech startup ecosystem of 2025, key person insurance has transitioned from optional safeguard to…