Even more than corporations, non-profits rely on their key employees to fulfill their vision. A combination of life insurance and disability insurance can ensure that non-profits continue to succeed even if a key employee is no longer able to work due to disability or death.

While company-paid group-term life insurance is beneficial, it is not equally valuable to each employee. Review this sample restoration plan to learn how to make high-income earners whole by providing them additional individual coverage.

As businesses grow, existing plans may be patched together inefficiently. In this case, three business owners operating with an entity purchase buy-sell agreement had a total of nine term policies. See how they reworked the partnership with cash accumulation life insurance.

Business owners may appreciate simple plans with minimal administrative requirements. In this case, a profitable small business was seeking to create a key executive benefit plan for top management. This Restricted Endorsement Bonus Arrangement (REBA) was the answer.

This a client-facing overview of ways a business owner can retain key employees. Moving from simple to complex, it covers endorsement split dollar, executive bonus with an option to add restriction and defined contribution supplemental retirement plan.

Three plans. One goal: help a business owner retain key employees. Moving from simple to more complex, these plans include and an endorsement split dollar plan, executive bonus plan with option to add restriction and defined contribution supplemental retirement plan.

Buy-sell agreements are frequently funded with life insurance, assuring that if an owner dies, the surviving family has a buyer with the cash to pay a fair price. Whether it's as stock redemption or cross-purchase agreement, it will help remaining owners retain control of the business.

Good planning starts with asking the right questions. This workbook will help you stay organized through the business planning data gathering process. There is room to record client information such as business valuation and succession plans, executive benefits and retirement plans.

Start the conversation to help protect your business owner clients against the loss of a key employee. The business purchases life insurance or disability insurance on a key person and pays all premiums. Upon death or disability, the benefit is paid directly to the business.

When planning for a key person incentive program, it's important to gather the right information. This simple worksheet provides a place to list their current salary, basic underwriting points, the employer's budget for coverage, and the type of plan that best fits the key employee.

Selecting the right key person incentive plan doesn't have to be complicated! This roadmap guides the conversation with business owners looking to implement a restricted bonus, nonqualified defined benefit, lump sum deferred bonus or key person plus plan to retain a key employee.

Key person retention solutions are a common advanced planning request. With a competitive employment market, business owners are ready to take the next step to retain key employees. This guide covers how life insurance can be used to develop an employee bonus structure.