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Building Blocks

Key Person & Shareholder Coverage

Key Person coverage is designed to provide funds to a company in the event that an executive or specialist within the firm dies or is unable to work at their usual capacity for an extended period. The purpose of the coverage is to flow funds to the corporation to offset revenue losses, increased expenses, or to repay outstanding loans.  

Shareholder coverage is often part of a formal agreement and provides cash to purchase the shares (or partnership interest) of a deceased or disabled shareholder.

Many firms purchase life insurance but fail to address what will happen in the event of a prolonged disability or a serious illness. Some companies also fail to review the plan on a periodic basis to ensure that it continues to provide adequate coverage.

Individual & Family Coverage

Marriage, the birth of a child, the purchase of a new home or preservation of one’s estate are the most common reasons someone buys life insurance. Our advisors will work with you to not only protect your family if you were to die but also protect your income if you were to become disabled, or seriously ill.

We will work with you to identify debts to be paid, contingency funds to be set aside, and the amount of income your family will need each month to maintain their lifestyle should you die unexpectedly. Equal consideration will be given to ensuring that there is adequate income available each month if you were to become seriously ill or disabled.

Other Services

Employee & Retirement Savings Plans

Employee retirement and savings plan available with corporate and personal insurance, tailored to wellness corporate solutions.

Employee Benefits

Employee benefits including corporate and personal insurance available for all sizes of organizations.

Speak to an Advisor
  • Whether you are looking to protect your business or your family, our experts will begin the process by understanding your needs and objectives.
  • Once we have identified your concerns and quantified the size and duration of the need, we will develop options within your budget for your review. Once the solution has been determined, we will implement the solution.
  • Given that needs change over time, we will check in with you periodically to review your situation and update the plan as needed.