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As small business owners themselves, Farmers agents understand that you have needs. They can introduce you to a variety of life insurance options as you make a decision about the coverage you want.
Here are some typical risks — and options that can help you manage them:
Risk:
You find an ideal candidate for your open CFO position — but she accepts an offer with a more attractive compensation package from a competitor.
Coverage:
Executive bonus plans that include life insurance or annuities can help you create compelling job offers for top talent.
Risk:
The manager who oversees your company’s day-to-day operations is unable to work as a result of a covered event.
Coverage:
Key person insurance can help if a business partner or top employee dies or becomes disabled — the policy’s benefit or cash value can be used for candidate searches, training expenses and lost income.
Risk:
You know your family would be burdened by business debt if you passed away before completing ambitious expansion plans that rely on large loans.
Coverage:
Life insurance proceeds can help liquidate outstanding business debt and help protect your family’s personal assets.
Risk:
When your business partner dies unexpectedly, her husband wants to sell their portion of the business.
Coverage:
A funded buy-sell agreement can help with a smooth settlement between the owners of a company and their heirs.
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Liability
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Workers’ Compensation
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