![concept-piece-download-70090-executive-carve-out](https://cdn.ashbrokerage.com/uploads/_960x600_crop_center-center_none/concept-piece-download-70090-executive-carve-out.png)
This discussion outline helps establish a need for business owners to create a guaranteed issue life insurance program. Common needs are buy-sell for businesses with a lot of stockholders or members, key person business protection or key employee benefit packages.