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  Employer Executive Bonus Plans

An executive bonus plan is a method of compensating selected key employees by paying the premiums of a life insurance policy on the employee's life.

This is actually a salary reduction (defined contribution) formulated plan. The employer pays for a benefit that is owned by the executive.

Besides life insurance, the bonus could also take the form of cash, automobiles, or other items of value to the executive. With a defined contribution approach, a specified amount (the salary reduction or employer "bonus") is periodically added to a participant's "account," which can be either a real accumulation of funds or simply a bookkeeping account.

Benefits to the Employer:
Can reward key executives Selective participation is allowed (no discrimination rules)
Costs are tax-deductible
Creation of plan is simple
No administration
Amounts of coverage on various employees can differ
Plan can be terminated without IRS approval or restrictions
A restrictive endorsement can be implemented to limit immediate access to cash values

Benefits to Executive:
Executive owns the policy1 and cash values.
If he or she changes employers, the policy is not lost.
Accumulating cash values will help in emergencies, at retirement or for personal investments.
The death benefit may be income tax free. See IRC Sec. 101(a).
Proceeds may be used for estate settlement costs.
The benefit payable at retirement or termination of service represents the accumulation in the participant's account.

This is similar to the money purchase approach for qualified plans. Nonqualified plans of this type are sometimes referred to as money purchase plans.
Contributions typically are a specified percentage of the employee's current compensation each year. However, the contribution level can also be an amount determined as the annual funding required to meet a "target" benefit level at retirement. If the employee's account is only a bookkeeping account, in order for the employee to avoid losing the benefit of investment earnings on the deferred compensation, the employer can guarantee a specified minimum interest rate on the bookkeeping account. Alternatively, the employer can make an annual allocation to the account based on an interest formula or index specified in the plan (usually an index beyond the employer's control such as Moody's Bond Index).

Sometimes the rate of return that is guaranteed is tied to the value of the company's stock.

Note: The intent of this information provided by termlifeamerica.com is to inform and motivate the general public into action. One should consider only a qualified practicing legal individual or entity, in the state in which you reside, when making decisions on this subject matter.


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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