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Protection

Buy-Sell Agreements: Using Life Insurance to Fund Your Exit Strategy

Buy-Sell Agreements - Using Life Insurance to Fund Your Exit Strategy

Locking in your business exit strategy with a buy-sell agreement and funding it with life insurance can create great certainty.  The reason is that it will accommodate the continuity of your business in the broadest range of circumstances. Planning for your business continuation when you or your business partners exit is critical.  It could mean the…

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Why the Executive Bonus Plan Is the Ideal Golden Handcuffs

Executive Bonus Plan: The Ideal Golden Handcuffs

The Executive Bonus Plan can be the ideal “golden handcuffs” for the top talent you can’t afford to lose.  In truth, associating long-term dedicated employment with slavery seems a bit archaic and melodramatic.  We all know you can’t keep good people by holding them hostage.  Instead, you’ve got to set the table that attracts them…

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How to Shop for Insurance Part 3: Life, Health, and Disability Insurance

How to Shop for Insurance Part 3 - Life, Health, and Disability Insurance

Life, health, and disability insurance protect you, your body, your wellness, and your livelihood.  This range of coverage includes some of the most essential protections. Too often, people ask the wrong questions.  This leads them to draw the wrong conclusions about life, health, and disability insurance.   As a result, many remain drastically underinsured or forgo the protection altogether.…

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How to Shop For Insurance Part 2: Home and Auto Insurance

How to Shop for Insurance Part 2 - Home and Auto Insurance

Home and auto insurance are two pillars of insurance protection that are almost universally understood to be necessary. However, when it comes to choosing and paying for coverage, you have nearly infinite options.  The range of coverage details, exemptions, coverage amounts, and limitations add complexity.  This can make shopping for insurance seem like a maze…

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Why You Want Insurance Part 3: It Costs More to Self-Insure

Why You Want Insurance Part 3 - It Costs More to Self-Insure

To navigate your insurance decisions, you must weigh the costs and opportunity costs of each option.  While some choose to self-insure as a solution to reduce insurance costs, there are additional costs hidden beneath the surface that you need to be aware of. Insurance is fairly polarizing.  Chances are, you either love it or you…

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Why You Want Insurance Part 2: It Protects Your Human Life Value

Why You Want Insurance Part 2 - Insurance Protects Your Human Life Value

Insurance is about more than protecting your stuff. It’s about protecting your human life value. Often, you need insurance ranks pretty close on the motivation list with you need to change the oil in your car. Here’s the filtering mechanism your brain goes through when you hear it:  Not that pressing.  Things are going fine without it.  Why…

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