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  • Most people buy insurance to protect their individual assets such as a car, a house or jewelry, but many people stop short of insuring their most valuable asset – their ability to earn an income.

    Disability Insurance

    Most people buy insurance to protect their individual assets such as a car, a house or jewelry, but many people stop short of insuring their most valuable asset – their ability to earn an income.

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  • Group term life insurance is usually purchased with a fixed face amount (death benefit) for all employees (i.e. $20,000 per employee), or as a multiple of earnings to a specified maximum (i.e. 1.5X earnings to a maximum of $50,000 per employee).  Plans can be customized to reflect a wide array of face amounts and plan caps depending on the group and the industry.

    Group Life Insurance

    Group term life insurance is usually purchased with a fixed face amount (death benefit) for all employees (i.e. $20,000 per employee), or as a multiple of earnings to a specified maximum (i.e. 1.5X earnings to a maximum of $50,000 per employee). Plans can be customized to reflect a wide array of face amounts and plan caps depending on the group and the industry.

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  • A “Buy Sell Agreement” is an agreement under which one party in a business agrees to buy another party’s ownership interest in a business at death.

    Life Insurance – Buy Sell Agreements

    A “Buy Sell Agreement” is an agreement under which one party in a business agrees to buy another party’s ownership interest in a business at death.

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  • Key Person Life Insurance is simply life insurance taken out on an individual (or individuals) in a business who is (are) vital to the business’ operation.

    Life Insurance – Key Person Life Insurance

    Key Person Life Insurance is simply life insurance taken out on an individual (or individuals) in a business who is (are) vital to the business’ operation.

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