Buy-Sell Agreements
Life-insurance-funded agreements that keep your business in the right hands.
A buy-sell agreement funded with life insurance guarantees that if a partner dies or exits, the remaining owners can buy their share at a pre-agreed price — using tax-free policy proceeds instead of scrambling for cash or taking on a partner's heirs.
Who it's for
Coverage built around your needs
Pre-Agreed Terms
Owners agree in advance on how and at what price shares transfer — removing conflict at the worst possible time.
Instant Liquidity
Life insurance provides tax-free cash exactly when it's needed to fund the buyout.
Cross-Purchase or Entity
We structure the agreement to fit your ownership — cross-purchase, entity redemption or hybrid.
Family Protection
A deceased owner's family receives fair value in cash, without being forced into running the business.
What this protects
- Owner death or disability triggers
- Pre-agreed valuation & buyout price
- Tax-free funding via life proceeds
- Cross-purchase or entity structures
- Protection for departing owner's family
- Coordination with your attorney & CPA
Carriers we shop for this
Buy-Sell Agreements questions
Without funding, surviving owners must find cash to buy out a deceased partner's shares — often by draining reserves or borrowing. Life insurance delivers the exact amount needed, tax-free, precisely when it's required.
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