For Business Owners
You Protected Your Business From Everything —Except This.
Most business owners insure their building, their vehicles, and their equipment. Almost none have protected against the one thing most likely to destroy the business — losing a key person, a partner, or themselves.
70%
of businesses fail to survive an ownership transition
98%
Of small businesses have no key person coverage in place
We diagnose your specific business risks first — then design a protection and succession plan built around your structure, your partners, and your goals.
Solution 01 · Business Protection
Your Business Is an Asset.Protect It Like One.
Most businesses close within 2 years of losing a founding partner or key revenue driver — not because the model failed, but because there was no protection plan.
You insure your property. But what about the human capital that drives your revenue — your ability to keep operating if you or someone critical can’t show up?
Business overhead covered if you can't work
Revenue continues if a key person dies or is disabled
Personal wealth kept separate from business risk
Tax-efficient structures available to business owners
Ask yourself
- If I had a stroke tomorrow, who runs my business?
- What happens to my revenue if my key person dies?
- Is my buy-sell agreement funded — or just a document?
- Are my best employees building wealth with me — or looking elsewhere?
- What does my exit look like — and is there a plan for it?
Real scenario
A $2M revenue firm loses its founder to a sudden illness.
Bank calls the loan
Two top clients walk
Business closes in 8 months
With $1M in key person coverage — the firm survives, hires, and grows. No coverage: the business that took a decade to build is gone in under a year.
Solution 02 · Key Person Insurance
What Happens to Your RevenueWhen Your Best Person Is Gone?
Every business has a key person — the founder, the top producer, the technical lead. Their loss can collapse revenue overnight. Key person coverage gives your business the runway to absorb that loss and rebuild.
Revenue gap covered while you find and train a replacement
Lender and investor confidence maintained
Client relationships and contracts preserved
Business pays the premium — often tax-deductible
Solution 03 · Buy-Sell Agreements
A Partner Dies. Now What?This Is Why You Need a Plan.
A buy-sell agreement tells your business what happens when a partner dies, becomes disabled, or wants to exit. Without one — their spouse inherits their share. Your new business partner is someone who never signed up for it.
- Funded buyout — immediate liquidity, no scramble
- Death, disability, and voluntary exit all covered
- No forced asset sales or legal battles
- Fair treatment for both partners and their families
Buy-Sell Agreement Types
Which structure fits your partnership?
| STRUCTURE | HOW IT WORKS | BEST FOR |
|---|---|---|
| Cross-Purchase | Each partner buys coverage on the other | 2–3 partners |
| Entity-Purchase | Business owns & pays for all coverage | 4+ partners |
| Wait-And-See | Flexibility to decide at trigger event | Flexible needs |
60% of partnerships have no funded exit plan. 100% of partnerships need one.
Why this works
- It costs 3× more to replace a top executive than to retain them
- No ERISA complexity — simple to implement regardless of company size
- You choose which employees receive the benefit — full flexibility
- he cash value grows tax-deferred and is accessed tax-free in retirement
Solution 04 · Executive Bonus Plans
Keep Your Best PeopleBefore a Competitor Does
Top talent has options. A salary isn’t enough to retain the people generating your most critical revenue. An Executive Bonus Plan gives them a tax-advantaged benefit they can’t get anywhere else — and a reason to stay.
Business pays the premium — tax-deductible as a bonus
Employee owns the benefit — powerful personal incentive
Vesting schedule creates "golden handcuffs"
Tax-free retirement income for your key executives
Solution 05 · Business Succession
You Built Something Valuable.Who Gets It When You're Done?
Most business owners have no exit plan. They work decades building equity they can never fully access — because they never designed the transition. Succession planning turns business wealth into family wealth, on your terms.
Successor identified, developed, and transition funded
Business value transferred tax-efficiently
Non-business heirs equalized in the estate
Exit proceeds structured for tax-free retirement income
Succession Readiness
How many of these does your business have covered?
Business valued in the last 2 years
Successor identified and being developed
Buy-sell agreement in place and funded
Estate plan updated to reflect business value
Tax-efficient exit strategy designed and funded
Most business owners answer no to 3 or more of these. That’s what a strategy session is for.
Your Business Deserves the Same Protection asEverything Else You've Built
One session. No products pushed. Pauline diagnoses your specific business situation and shows you exactly where the gaps are — and how to close them before a crisis forces the issue.
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