Protect What You Built. Secure What Comes Next.

Key person life insurance is a policy owned by the business on the life of a critical employee or owner whose loss would significantly impact the company's operations or revenues. The business pays the premiums and is the beneficiary, using the proceeds to stabilize operations, cover lost revenue, or fund a search for a replacement. Any business that depends on specific individuals should consider this protection.

A buy-sell agreement specifies what happens to a business owner's interest upon death, disability, or departure. Life insurance funds the purchase obligation by providing the surviving partners or the business with a cash death benefit at exactly the time it is needed. Without funding, surviving partners may be forced to take on debt or bring in unwanted outside parties to satisfy the agreement.

Yes. Business-owned life insurance, sometimes called COLI or company-owned life insurance, allows a business to own and be the beneficiary of a policy on a key employee or owner, subject to insurable interest requirements and, in some cases, employee consent. Tax treatment varies depending on policy structure and use, and coordination with a tax advisor is recommended.

Personal life insurance is designed to protect your family and dependents. Business life insurance serves a different and complementary purpose, protecting the business entity, your partners, and your professional obligations. Most business owners benefit from evaluating both personal and business coverage as part of a comprehensive plan.

Uhud begins with a conversation about your business structure, ownership arrangements, key dependencies, and financial obligations. From there we can identify which strategies are most relevant, coordinate with your existing advisors, and present options that reflect your actual business situation rather than a generic template.