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Business Buy Sell Agreements

"a will for your business"  
Business Buy Sell Agreements funded with Term Life Insurance can help fund and ensure a smooth business transfer! 

Buy-Sell Agreement Types
The Buy/Sell Agreement funded with life insurance Buy/sell agreements funded with life insurance become an immediate source of money for a surviving business partner to buy the deceased person's business interest. Life insurance policies used in this way are also generally called business continuation insurance. The use of life insurance in this manner helps the business to continue as usual.

With a "partnership buy/sell agreement" any surviving partners will purchase the portion of a business owned by a deceased partner. The agreement includes the purchase price of the deceased person's interest in the business. The agreement should include a guarantee to ensure money is available at the time of loss. Life insurance is the perfect method to guarantee availability of the money.

Cross-Purchase Agreements with Life Insurance
With the use of a "cross purchase buy-sell agreement" each partner purchases a separate life insurance policy on every other partner's life equal to the amount needed to buy a share of the partner's interest at death. In a three-partner arrangement each partner would buy two life insurance policies covering each of the other two partners. In this manner each surviving individual partner would use the proceeds to purchase the deceased partners business interest.

Entity Purchase Agreements with Life Insurance
With the use of an "entity purchase buy/sell agreement" the business owns the life insurance policy on each partner. So, in contrast to the "cross purchase buy-sell agreement", where it would take six life insurance policies to cover the three partners, the "entity purchase buy-sell agreement" would only require three life insurance policies. The business would own the policies instead of the partners, thus at the time of death of a partner the business (entity) would pay the proceeds to the deceased heirs instead of the individual partners.

Corporate Stock Redemption with Life insurance
Closely held corporations are much like partnerships. They have stockholders rather than partners. With a closely held corporation, the stock is held by a select group rather than being made available to the public. In this case, the corporation would purchase the life insurance policies on the lives of the stockholders and own the policies. At the time of death of a stockholder, the corporation would receive the insurance policy proceeds and the use these proceeds to purchase the stock from the deceased heirs.

Note: The intent of this article furnished by termlifeamerica.com is to inform and motivate the general business public into action. One should consider only a qualified practicing legal individual or entity; in the state in which you reside for qualified business-planning advice.


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:
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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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