Who we help

Cover yourself, your people, and the business itself.

Owners usually arrive with one question and leave with three. Coverage for the household, something for a small team, and what actually happens to the business if you are not there.

Below fifty employees there is no coverage mandate, which means every option is a choice rather than a requirement. That is more freedom and more ways to get it wrong.

The retention problem is real and rarely framed as an insurance question. Losing the person who knows how everything works costs more than a benefit would have, and there are structures designed specifically to make staying worth more than leaving.

And there is the question most owners avoid: if you or your business partner died tomorrow, who owns the business, who runs it, and where does the money come from to buy out the other side. Without a funded agreement in place, the answer is usually a dispute.

Get your free quote

Six fields, about a minute. We come back with what is actually available where you live.

First name

Last name

Phone

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What do you need?

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Please do not submit account numbers, Social Security numbers, policy numbers or other sensitive financial details through this form. Detailed information is gathered later through a secure process.

What applies to you specifically

Key person coverage

A policy the business owns on the person the business cannot lose, so a death does not become a liquidity crisis while you work out what happens next.

Section 162 executive bonus plans

The business pays the premium on a policy the employee owns, and the payment is generally deductible to the business as compensation while being taxable to the employee. Structures vary and the tax treatment depends on the design — this is one to run past your CPA.

Buy-sell funding

An agreement between owners about what happens on a death or exit, with life insurance providing the money to actually execute it. The agreement is a legal document your attorney drafts; we handle the funding side.

Retention structures

Benefits designed so that the value builds over time and is forfeited on early departure. Used well, they keep the people you cannot replace. Used badly, they create resentment.

Questions we get asked

How small is too small for any of this?

Key person and buy-sell planning matter from two people upward — arguably more at two people than at fifty, because the loss of one is the loss of half the business. Group health generally needs a handful of enrolling employees to be practical.

Do I have to offer health coverage to my employees?

Under fifty full-time equivalent employees, the federal employer mandate does not apply. State rules can differ. Many small employers offer something anyway because it is what keeps people.

Who writes the buy-sell agreement?

Your attorney. We are licensed insurance professionals, not attorneys, and we will not draft or interpret the agreement. What we do is make sure the funding matches what the agreement actually says, which is where these things usually fall apart.

Business Owner Strategies

Executive bonus (Section 162) plans, key person coverage, employee retention strategies and business succession planning for owners in Florida and nationwide.

Life Insurance

Term, whole life and indexed universal life explained plainly — how coverage amount, policy type and ownership structure should be matched to your situation.

Health Insurance

Health insurance options for families, the self-employed and small business owners — plan types, what drives your cost, and the trade-offs between them.

Business planning strategies involve legal, tax and accounting considerations that vary by entity type, state and circumstance. Nothing here is legal, tax or accounting advice. Have any structure reviewed by your own attorney and CPA before implementing it.

Next step

Fifteen minutes, and you will know where you stand.

A review is a short conversation about the coverage and savings you already have. We look at what you pay, what it covers, and whether there is a better fit available where you live. No cost, no obligation, and no pitch if nothing needs changing.

Book a free 15-minute review See what we help with