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Offerings For Business Owners

  • Buy/Sell
    Agreements
  • Key Person
    Insurance
  • Succession
    Planning
  • Estate
    equalization
  • For your
    employees
  • Policy
    Monitoring
  • Buy/Sell Agreements

    A buy-sell agreement is used to reallocate portion of the business when an owner dies, or leaves a business. Funding a buy/sell agreement with a life insurance policy will give you confidence that your business and family will be taken care if you or your partner becomes disabled or dies.

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    Key Person Insurance

    Certain employees make such an impact that your company wouldn’t be the same without them-- or maybe not function at all. The purchase of a “key” person life insurance policy will give the company a hedge against any loss resulting from the death and disability of the key person and maintains your company can continue to operate smoothly while you search for a replacement.


    Succession/Continuity Planning

    The operational demands of running a family business can be all-consuming, but it’s vital that those in charge take the time needed to assess it’s succession planning. Vest takes a holistic approach and asks you the right questions to make certain your business remains in good hands and continues to provide for your family, your partners, and your employees.

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    Estate Equalization

    For some business owners, the exercise of setting up inheritance when most of your wealth is tied up in a business can be complicated. Vest will develop a plan that ensures that your heirs, those working in the business and those not involved, remain on equal footing. This plan utilizes a mix of life insurance and non-business assets, has the added benefit of being tax efficient, and leaves your family with a clear and lasting legacy.

    For your Employees

    As the economy improves and talent is at a premium it is important business owners do all they can to keep their teams together. Vest helps you keep and retain talent by using employer-funded life insurance strategies that incentive your workforce to stay with you long term.
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    Business Policy Monitoring

    As businesses grow and evolve, the initial risk management plans may no longer be relevant. Buy-sell agreements can become obsolete if they aren’t updated with any major changes in ownership or growth. Also your human capital risks need to be re-evaluated regularly with the promotion of new key employees. We know running your business is a 24/7 effort. As with all Vest plans, our Policy Monitor will maintain oversight of your business needs, providing alerts for key payment due dates, beneficiary status, carrier health, and overall plan optimization.

     
     
     We know running your business is a 24/7 effort. As with all Vest plans, our Policy Monitor will maintain oversight of your business needs, providing alerts for key payment due dates, beneficiary status, carrier health, and overall plan optimization.
     
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