Review personal coverage, corporate coverage, and shareholder agreement needs
Business Owner Planning
Coordinate corporate cash flow, risk protection, and legacy planning.
Business owners rarely face a single policy decision. The real question is how corporate cash flow, shareholder risk, tax efficiency, retirement exits, and family legacy work together.
Who It Helps
Corporate-Owned Insurance & Tax-Aware Planning
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Corporations with retained earnings or passive assets
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Owners concerned about key person, shareholder, or family risk
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Business owners who want corporate assets, retirement income, and estate goals reviewed together
Planning Focus
Turn planning into clear next steps.
Compare corporate-owned insurance, key person coverage, and participating insurance structures
Coordinate with accountants and lawyers around the capital dividend account, business continuity, and after-tax transfer
Scenario
Scenario: A 48-year-old owner with retained corporate assets
Mr. Smith owns an engineering services company with approximately $1.2M in retained corporate assets. The planning focus is not simply buying a policy; it is repositioning part of corporate cash flow toward key person protection, estate liquidity, and a clearer source of family transfer capital.
FAQ
Questions Clients Often Ask
Is corporate-owned insurance suitable for every business owner?
No. It depends on cash flow, shareholder structure, family protection needs, tax goals, and exit plans.
How is corporate ownership different from personal ownership?
Ownership, premium funding, beneficiary design, tax treatment, and the final flow of proceeds can all differ.
Should an accountant be involved?
Yes. Insurance, accounting, and legal advice each have different roles in this type of planning.
Start Planning
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