Protect an Important Person
Learn how Key Person Insurance can help a business prepare for the financial impact of losing an owner, executive, employee, or other important person.
Business Protection Learning Center
Business Life Insurance Guides
Learn how life insurance can be used to protect important people, fund ownership transfers, support business loans, and help a company prepare for financial disruption.
Start With the Business Risk
Find the Resource That Matches the Financial Need
Business Life Insurance is not one planning problem. Start with the person, debt, ownership obligation, or broader risk the business needs to address.
Fund an Ownership Transfer
Learn how life insurance may provide funding for obligations created by a Buy-Sell Agreement.
Protect a Business Loan
Understand how life insurance may be assigned to a lender as collateral while preserving remaining policy benefits for the designated beneficiary.
Review the Bigger Business Risk
If the need involves more than one person, obligation, or ownership issue, start with the broader Business Protection overview.
Live Business Life Guides
Explore Current Business Protection Guides
Use these in-depth resources to understand a specific business debt or ownership-transfer planning question.
Business Debt & Lending
Collateral Assignment of Life Insurance for Business Loans
Learn how collateral assignment works, what rights a lender receives, what happens to the remaining death benefit, and how the arrangement changes when the loan is repaid.
Read the Collateral Assignment Guide
Buy-Sell Planning
Cross-Purchase vs. Entity-Purchase Buy-Sell Agreements
Compare who owns the policies, receives the proceeds, purchases the ownership interest, and manages the plan under two common Buy-Sell funding structures.
Read the Comparison Guide
Business Protection Review
Not Sure Which Business Risk You Need to Protect?
A Business Protection Review can help separate Key Person exposure, ownership-transfer funding, business debt, and other life-insurance needs so the coverage is tied to the actual financial risk.
Request a Business Protection Review