Group coverage
Group life, disability and supplemental benefits that you can offer employees, often at better rates than individual policies.
Often a fit for: Small and mid-sized employers building a competitive benefits package.
Services
Business & Group Coverage
A business depends on its people and its owners. The right coverage helps you attract and keep employees, protects the company if a key person dies or becomes disabled, and gives owners a funded plan for the day they leave.
Your options
What each option does, in plain English
Buy-sell funding
Life and disability insurance that funds an agreement for remaining owners to buy a departing owner’s share, so the family is paid fairly and the business carries on.
Often a fit for: Businesses with two or more owners.
Key-person coverage
A policy owned by the business on someone whose loss would hurt revenue, giving the company cash to recruit, train or steady operations.
Often a fit for: Companies that rely on a founder, top producer or specialist.
Business exit strategies
We coordinate the insurance side of succession planning with your attorney and CPA, who handle the legal agreements and tax treatment.
Often a fit for: Owners planning to retire, sell or pass the business on.
Who it is for
- Owners of small and mid-sized businesses
- Partnerships and closely held companies
- Employers adding or improving employee benefits
Good to know before you buy
- Buy-sell and succession plans require legal agreements drafted by an attorney; we do not provide legal or tax advice.
- Group plan availability and pricing depend on group size, location and participation.
Other ways we help
Questions about business & group coverage?
A free, no-pressure conversation with a licensed agent. We compare options from multiple carriers and explain them in plain English, at no fee to you.