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.

Arm yourself with 10 reasons why a business owner should be offering long-term care coverage for their employees. From raising productivity, to streamlined applications and payroll deductions, the message is the same: Employees need LTC coverage and offering it is easy.

All the money in the world can’t buy good health. Your wealthiest clients have the same likelihood of needing extended health care as everyone else – and they know it. Don’t rule out these clients because you mistakenly think they can – or want to – self-insure for long-term care.

Health care, including long-term care, is a regular topic of conversation for people in their 60s. It comes up around the dinner table. And it needs to come up in your planning conversations. But these clients don’t just need talk – they need action. Help them create an LTC plan.

This is the sweet spot for LTC sales. Clients in their mid-50s are the most likely to purchase long-term care insurance because they are still earning income, but need to have a solid picture of how their retirement will look. See what to look for so you don’t miss a window of opportunity.

By planning “early” for long-term care, your clients can potentially save money – and make underwriting easier. Good prospects may have experienced a family member who needed care – or they are high-income earners who want to take a future LTC concern off their shoulders.

Business owners are looking for ways to attract and retain key employees, and sometimes group LTD is not enough. With multi-life disability coverage, business owners can protect more income for their key employees. Here's what to look for and three steps to get started.

Whether you need help with a quote or are ready to submit a case, you need to know what to do before and after submitting business. This piece walks you through the step-by-step of getting a life insurance, LTC or disability case processed.

Qualified plans offer a solid strategy for postponing taxes, yet it's crucial to acknowledge these taxes will eventually come due – typically during retirement when the money is likely to be needed most. Our proposed "retirement reset" could help evade this impending tax burden with minimal or no upfront tax expense.

Businesses struggle to retain key employees, and an often-overlooked area is income protection. Multi-life DI can close the income gap and incentivize employees to stay. With this one-pager. determining if additional coverage is needed is simpler than you think – and so is the process!

Don't create a false expectation based on a best-case scenario. With DI PreView, you can email or text your clients a personalized, secure questionnaire to get an accurate snapshot of their health history so you can recommend the right product quoted at the right price.

Many things keep business owners up at night, including taxation and protecting against the loss of key employees. Corporate-owned life insurance (COLI) can help with both. In this solution, we'll look at COLI as an institutionally priced cash value life insurance product.