Term Life Insurance Definitions helps to become more knowledgeable of term life insurance and permanent life insurance.

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Business Life Insurance from Term Life America
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Term Life Insurance Quotes Term Life Insurance No Exam Final Expense Life Insurance Quotes

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"how term life insurance works", "return of premium term life insurance",
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  Business Life Insurance can fund untimely events to key business persons or owners that can cause critical financial disruptions to the business. It can be used to fund the impact of a death.

The most common uses for Business Insurance are:
-Buy/Sell agreements funded with life insurance.
-Corporate stock redemption funded with life insurance.
-Key employee insurance

The Most Important Types of Arrangements Are:
Transfer Coverage "a will for your business"  

Owners can execute a buy-sell agreement and fund the agreement with life insurance. A buy-sell agreement is an arrangement for a business to continue in the event of the owner's death, disability, retirement, or early withdrawal from service. Life insurance, through the death benefit or cash values (if a permanent policy is used), can provide the funds for the surviving or new owner to purchase the interests.

get a quote  Business Buy-Sell  
get a quote  Partnership Buy-Sell
get a quote  Corporate Buy-Sell

Debt Coverage  
Coverage can provide funds to payoff debts in the event of the owner's premature death. The policy is taken out on the life of the owner when the debt is first incurred. Other policies can be obtained for disability.

get a quote Business Debt Coverage  

Key Employee Protection Plans           
The loss of a key employee can severely impact the financial health of a business. Lost sales; costs of recruiting, hiring and training a replacement; costs to continue the salary to the employee or the family; or loss of credit are examples. Deteriorating financial health can lead to the loss of customers and harm a good reputation. Life insurance can provide funds to temporarily replace lost profits, strengthen the business's working capital, reassuring other employees, creditors, and investors about the continuity of the business, and provide funds to recruit and train a suitable replacement.

get a quote  Key Employee

Non-Qualified Deferred Compensation (NQDC) Plans
NQDC plans funded with life insurance can help attract and retain key employees. Such plans are contracts between employers and key employees to pay future compensation for work performed now. Most NQDC plans provide for a stream of payments to be made to the employee following retirement. The payments typically come from the cash value of a permanent life policy. The employee is not taxed on the money until it is received.

get a quote  Non-Qualified Deferred Comp

Executive Bonus Plans
With this plan, the employer gives a bonus to a key employee who then pays taxes on the money and uses the remainder to purchase a life insurance policy. The employee has all ownership rights in the policy, such as access to the cash value and the power to designate beneficiaries, while the employer receives a tax deduction for the disbursement. The loss of a key employee can severely impact the financial health of a business. Lost sales; costs of recruiting, hiring and training a replacement; costs to continue the salary to the employee or the family; or loss of credit are examples. Deteriorating financial health can lead to the loss of customers and harm a good reputation.

get a quote Employer Executive Bonus

Supplemental Executive Retirement Plans (SERPs)  
SERPs provide key employees with supplemental retirement income generated by the cash value of a life insurance policy. Qualified defined contribution plans are limited to considering only the first $200,000 of compensation when arranging retirement benefits for highly compensated employees. SERPs layer in on top of such defined contribution plans, allowing for the key employees to have a total retirement plan package.


get a quote  Supplemental Executive Retirement


We have a highly trained and licensed professional staff.  We specialize in all aspects of this discipline. Included are, Term, Universal, and Permanent Policies, as well as Final Expense. We guide our clients on issues involving Personal Family Protection, Estate Planning and Estate Conservation, Business Planning to include, Buy Sell Agreements, Deferred Compensation, and Executive Compensation. We offer spreadsheets for Term Life Insurance Quotes from Top Rated Companies. We help you decide what type of policy is best for your goals and objectives. Companies offer 5, 10, 15, 20, 25 or 30 year policies that can include a return of premium plan options. Some plans offer no exam underwriting for your convenience. We provide consumers with helpful information, find the right life companies, and gives them the opportunity to receive free instant quotes.

The content contained on this insurance website is for informational purposes only. It is intended for consumers who are shopping and wanting to learn more. We do not endorse any particular carriers. We work for you and simply provide factual insurance information. We let you decide if you want to speak with a professional agent to help with your needs. Premium rates displayed on this website are for informational purposes only. Actual rates are based on many factors one of which is the applicants health.

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Lewis Fink is licensed as a term life agent offering term life quotes in the following states: Term life quotes for:
Alabama - AL,  Arkansas - AR,  California - CA Colorado - CO Connecticut - CT Delaware - DE District of Columbia - DC,  Florida - FL, Georgia - GA Idaho - ID Illinois - IL Indiana - IN Iowa - IA Kansas - KS Kentucky - KY Term quotes for: Louisiana - LA,  Maine - ME Maryland - MD Massachusetts - MA,  Michigan - MI Mississippi - MS Missouri - MO,  Montana - MT Nebraska - NE New Mexico - NM, New Jersey - NJ New York - NY,  North Carolina - NCTerm quotes for: North Dakota - ND,  Ohio - OH Oklahoma - OK Pennsylvania - PA, Rhode Island - RI South Carolina - SC,  South Dakota - SD,  Tennessee - TN Term quotes for: Texas - TX,  Utah - UT Vermont - VT Virginia - VA, and Wisconsin - WI.  

We offer term quotes for 5, 10, 15, 20, 25, and 30 year term periods. Our universal life products can be quoted to cover a term of up to age 120. Not all term product quotes from all term companies quoted are available in all states.

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