An executive bonus plan allows you to offer incentives like a permanent life insurance policy with cash value accumulation to your top employees and possibly gain tax advantages. 

If you lose a key person to your business, it could cost you thousands or hundreds of thousands to replace him or her.  With an affordable policy, you can protect your key employee and if you choose, include  his or her family as a co-beneficiary. 

If you're a co-owner of a company, your company could be left vulnerable if you our your business partner pass away. Protect your business with a buy sell agreement. The benefits of the policy can be used to buy out the spouse or family and allow you to keep the business going. 

If you were to come down with a chronic illness, critical illness, or disability and couldn't work, you may face loss of income. Protect yourself against unforeseen medical emergencies with income protection.