Key-person protection
Explore how the death of an important owner or employee could affect a business and how life insurance may help address that risk.
Third-party video · Watch on YouTube ↗
Our solutions
Your business has a plan. Does its protection?
Explore life insurance needs connected to your family, business continuity and the people whose contribution keeps your business running.
Request a Business Protection ConsultationBusiness Owner Protection
A conversation built around your needs.
We start by understanding the business and its responsibilities. Discussions may include key-person life insurance and life-insurance funding for ownership transition arrangements.
Legal agreements, valuation, ownership and tax treatment require coordination with your attorney and tax professional. Insurance is one part of a broader business plan.
Questions worth asking
- If a key owner or employee passed away, what would replacement time and lost business cost?
- How would your family handle business obligations after your death?
- Do you have a succession or ownership-transition plan?
What happens next?
Share what you would like help with through the client consultation form. Marquita will connect with you to discuss your needs and arrange the conversation. Submitting the form requests a consultation; it does not purchase coverage or confirm an appointment time.
Understand the role of life insurance.
Key-person life insurance may provide a benefit to a business after the death of an insured person whose contribution matters to operations. The amount, ownership and beneficiary arrangements require careful review.
A buy-sell agreement sets rules for an ownership transfer. Life insurance may help fund a buyout after a covered death, but the policy does not create the agreement. Your attorney and tax professional should address the legal structure, valuation and tax questions.
A few things you may be wondering
Does this replace property or liability insurance?
No. It addresses different risks. Review your broader business protection with the appropriate professionals.
Will life insurance pay whenever an owner cannot work?
A death benefit pays after a covered death. Any living-benefit rider has specific qualifying conditions. It is not general coverage for temporary absence from work.
Watch & learn
A closer look at the topic.
Buy-sell agreements
Explore ownership-transition funding. An attorney prepares the agreement; life insurance may help fund a buyout after a covered death.
Third-party video · Watch on YouTube ↗
Educational videos selected by Marquita. The creator’s branding may appear; it does not change your relationship with Gaby Moses Business & Legacy Solutions. Product availability and terms must be confirmed for your situation.
Bring your questions. Let’s make your next step clearer.
Understand the options that fit your responsibilities and budget.
Request a Business Protection Consultation