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4/21/2019 5:54:32 PM
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I have been dealing with them for years. Besides the surety of competitive rates from top-notch insurance carriers, I always enjoy dealing with a simplifying, honest and straight-forward approach.

Erik Solorzano, Fontana, CA

Your real-time online quoting for life insurance rates is a great way to get an idea of what is out there.

Christie Gupta, Houston, TX

In less than 30 seconds, I had my life insurance quote at your website.

Kendra Mays, Bazine, KS

We received good service, great insurance company, and competitive rates, all at one place. My referrals are for you.

Thomas and April Fung Hollywood, CA

I am very impressed by your professional and friendly service for those on H1B visa.

Chandra K .Bhumireddy
Dallas, TX

I received the best rates from an A+ rated company. I would gladly refer your life insurance advisors to anyone.

Agnes Sowemimo, Norcross, GA

I thought I would never be able to get life insurance till I contacted you. Thank you.

Victoria Brown, Suffolk, VA

I didn’t think life insurance could be affordable at my age. Thank you for your help.

Eddo Bottiroli, Los Angeles, CA

With a Critical Illness policy we had through you, we sleep better at night.

Michelle Solorzano, CA

I remember when my insurance made a mistake and overcharged me. The speed at which you guys took care of it was amazing.

William Young, Chula Vista, CA

Experience Independence Honesty

Key person insurance is basically a life insurance policy on the life of someone (the founder, the partner/s, the manager/s or any employee) whose death may cause a major setback for the business. Besides this many businesses also like to buy disability insurance on a key person to cover the loss of temporary productivity due to short-term or long-term disability. The owner and the beneficiary of this life insurance plan is the business itself. The premiums paid by the business are not a tax deduction.

Many investors or lenders require a business to take out key person insurance (usually, a life insurance policy) on people they consider important before loaning money to a business. In this case, the business pays the policy premiums but the lender becomes the beneficiary.
You, as a business can take more coverage than what is mandatory by the lender to cover your end of the deal. In the end, everyone is secure.

Most common uses of key person insurance:

  • To buy back shares in a company from the estate of the deceased.
  • To secure cash flow and covers debts.
  • To initiate headhunting for a competitive replacement.
  • To help control the financial future of the company.
Recommended reading: Key Person Insurance for Businesses.

If you are considering, key person insurance for yourself, your partner or some else in your business, and don’t know where to start, fill out the following short-form. One of our licensed professionals will contact you to discuss further the details of your need.

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Find the best rates for Term Life, Return of Premium Term and Guaranteed Universal Life Insurance plans.
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PLEASE NOTE: By law, agents and brokers offering life insurance products cannot charge fee for service from a client. Therefore, your premium is exactly what an insurance company quotes.

Please visit our updated user-freindly quote engine: REAL TIME LIFE QUOTES.
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