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Posts Under Buy/Sell Life Insurance Category

Business Life Insurance For The Mature Executive!

Business Life Insurance For The Mature Executive!

Business life insurance, whether for the CEO as key man insurance, partners in a business buy/sell agreement, bank loan collateral or stock repurchase plans are a specialty in their own rite, but add businessmen over age 50 or 60 or 70 and things can get complicated. Generally speaking those born in the 70’s and 80’s at least don’t present any health challenges that complicate th...
Declined For Business Life Insurance?

Declined For Business Life Insurance?

In business succession planning there are several ways that life insurance isn’t just a good idea, but is required. If your banker says they will loan you $3.5 million to expand your business, that’s great news. If they tell you that a life insurance policy will be required as collateral and you know ahead of time that you can’t get approved, such as a CEO who is HIV+, or you fin...
HIV+ Business Life Insurance!

HIV+ Business Life Insurance!

While the traditional companies tanked on their idea of offering life insurance for those with well controlled HIV+, we do have an outlet that can provide life insurance for business purposes for those with well controlled HIV+. The company has the choice of covering or excluding death due to complications of HIV+ in the life insurance policy, but within the following parameters they have leaned t...
Let’s Meet In The Middle On Business Life Insurance!

Let’s Meet In The Middle On Business Life Insurance!

It happens all too often so we might as well divulge the antidote to one of the most common problems with business life insurance. What happens when the bank mandates, your partnership, or the board of directors of your company tell you that you need life insurance to protect the liquidity of your company, and your personal health or maybe your lifestyle or hobbies make that task much easier said...
Five Step Quick Guide To Business Life Insurance!

Five Step Quick Guide To Business Life Insurance!

There really isn’t any magic to business life insurance. Just like personal life insurance you pay a premium (payment) to an insurance company so that if or when you pass away your beneficiary won’t be stuck in a financial bind. The difference is subtle. One is all about making sure your family doesn’t have to liquidate everything they have just to move on with life. Business lif...
Business Life Insurance At the Highest Levels!

Business Life Insurance At the Highest Levels!

Business uses for life insurance tend to be the elephant in room that no one wants to talk about. He’s there. He’s real and huge, and he has the ability to stomp the life out of a company, but Executives and Boards of Directors often skirt the issue of life insurance unless it is required to do business. We have an accountant that has been trying to get the two partners of a $14 millio...
When The CEO Isn’t A Life Insurance Poster Child!

When The CEO Isn’t A Life Insurance Poster Child!

Executives of companies, in spite of the fact that they have professionally “made it”, don’t necessarily have every life category nailed and like the rest of us who are over age 50 or 60, may not be a poster child for $12 a month life insurance. The truth is that depending on the company only about 10% to 15% of people qualify for the best life insurance rates and in spite of C...
CEO Life Insurance Declined?

CEO Life Insurance Declined?

Surely that can’t be right. CEO’s are the rich and powerful and, well, they should just get their way. Right? ,And surely life insurance companies know better than to blow off a center of influence. The average life insurance agents dream about working with CEO’s and executives, but what the average life insurance agent doesn’t dream about or plan for is the case being decl...
HIV Mortality Risk Now Eligible For $1 Million Life Insurance!

HIV Mortality Risk Now Eligible For $1 Million Life Insurance!

Even six months ago no one in the life insurance industry would have said that it was possible for someone who is HIV+ to get $1 million worth of term life insurance, or for that matter universal life or whole life insurance. Looking at what is offered through guaranteed issue life insurance companies we don’t even see where, even if you were wealthy enough, you could string together enough...
When Business Life Insurance Isn’t Just An Option!

When Business Life Insurance Isn’t Just An Option!

There are times in business when it would be nice of have life insurance and then there are times when there really is no other choice, life insurance is the answer to a business question and nothing else will meet that need. This usually isn’t a big deal until you run into an unusual situation that doesn’t fall into normal underwriting parameters. But what happens in, for instance, th...
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