Category Archives: Business Life Insurance

Why California Life Insurance Quote Are Getting Better?

CA Term Life Insurance Rate

If you passed prematurely, would anyone you care about be able towards:

Pay for typically the home mortgage?
Pay for a kids college costs?
Pay for any debt you possess incurred?
Pay on funeral expenses?
Pay the whole set of payments associated utilizing your home? (i. o homeowners association, electric, taxes, etc)
Afford the lifestyle they’ve been use too?

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Fast Life Insurance Application

If you addressed no to several above questions, California term life insurance are able to help you. Any time you truly love your close relatives, mother, son, minor, significant other, whomever you give financially; getting California term will truly show your want to them should you cease to live prematurely.

We all afford automobile insurance, but, your life is way more important than automobile, so why wouldn’t you possess California term on your your life? Also, California term, can usually be purchased for under $20. 00 per month for everybody who is healthy.
California Term Quotes

Understanding how California term works is hassle-free. You pay an occasional premium every month using the amount of time you have chosen.
You can decide upon 10, 20, or even 20 years of policy cover with California term policy. Amounts range because of $25, 000 with numerous policies offering countless million dollars from coverage.
If you prematurely cease to live during the term you have chosen, your California term policy will pay the length of coverage you invested in.
California term life coverage covers ALL the amount paid listed to departed, in the event with the death, with an awfully affordable rate.
You can translate your California term policy to a California experience of living policy without having to undergo another medical exam.
Shows your friends you care; that even after you are departed, you were still contemplating about them. More significantly, that they will go on to do well aided by the life

Escape Over-expensive California Term Life Insurance Quote

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California term life coverage providers offer a wide array of policies that consist of any and all group or service that you could ever desire. We direct towards ING, Mass Good, American General, among many other respected term companies. There’s certainly no obligation, no commitments, and no payments! Simply start a search, compare deals and savings, and find the California term policy that works suitable for you.

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The California Term Policy You Need is Waiting You

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Insurance for Business Continuation

What is Business Continuation?

Businesses close. It happens all the time. Not for lack of business, good employees, or good products – it’s for a lack of proper Business Continuation planning in the event of the death of an owner.

Whether you plan on selling your business, transferring it to your family, offering it to your employees or closing the doors, you should plan for the unexpected death, disability, or incapacity of the business owner(s) and key employees to ensure an orderly transition of the business occurs.

What should be included in Continuation Planning?

Business Continuation planning with business owners should take into account transfers to family members, buyouts of partners or key executives, retirement, sale, death and disability. Without proper planning, your business may have to lay off employees, declare bankruptcy, liquidate assets, and leave creditors knocking on your door.

What are my options?

A simple and cost effective way to bridge these potential gaps and provide continuity to your business is through the use of life, disability and/or critical illness insurance.

To get started, decide which column you prefer for your exit strategy:

With Planning Without Planning
  1. Orderly Transfer to
    Family / Heirs
  2. Pre-planned Retirement
  3. Structured Employee or Third Party Buyout
  4. Orderly closing of the Business
  1. Forced sale
  2. Laying off employees
  3. Bankruptcy
  4. Total liquidation

Key Person Life Insurance

What is Key Person Insurance?

Often referred to as Key man insurance, it is a life insurance policy, held by a business, to cover the life of a vital employee. The proceeds from a key man life insurance policy are intended to provide the business with the time and money it needs to stay afloat while replacing a lost key employee.

Who buys key person life insurance?

Any business which employs individuals who are vital to the company’s survival (key employees) is a candidate for key man insurance. Many companies cannot survive the death of a key man or woman because the knowledge, skills, contacts, or business relationships of the deceased are so difficult to replace.

It is most frequent for small-to-medium-sized businesses to find themselves in need of key man insurance, but even large companies use it to protect themselves from the expense of finding and training a replacement for a key employee.

Who qualifies as a key person?

The qualifications of a key man or woman depend on your company (and your discretion). A general description is: an employee who possesses skills, knowledge, contacts, and/or relationships which are crucial toward your company’s continuance but which are very costly or difficult to replace.

Types of key person insurance

A business is eligible to buy any type of life insurance that a family or individual can purchase. Which type is best? Term life insurance is appealing because the key man or woman’s employment is expected to end by retirement age (term life insurance is the most affordable). However, cash value life insurance can also be appealing because it can be liquidated in the event that the key man or woman leaves employment without dying.

Life Insurance for Businesses

What is Buy / Sell Insurance?

Buy-sell insurance is one of the best ways to assure the continuation of your business in the event of a partner’s death. Many businesses purchase buy-sell life insurance to avoid the pitfalls often involved in the continuation of a business following the death of a partner.

Is a Formal Buy / Sell Agreement Required?

Buy-sell insurance is often accompanied by a legal buy-sell agreement that requires any surviving partner(s) to purchase the remainder of the business in the event of a partner’s death-but is not a requirement. In the event of a death, the purchase is funded by the death benefit proceeds provided by the buy-sell insurance policy.

How much insurance is allowed under a Buy / Sell Agreement?

The amount of insurance necessary varies by company and is often determined by taking the market value of the business divided by the percentage of ownership of the insured partner. Generally, up to 5 times the annual revenues generated by the business can also be included.