Protect The Business You've Built

Protect the business you’ve built

Disability insurance to fund a buy-sell agreement

If you or a partner became disabled without the prospect of returning to work, how would you transition yourself or a partner out of the business while satisfying the interests of all parties involved?

Whether you're a sole proprietor or a business partner, it's important that you have a business continuation plan in place with the proper means of funding it should you or a partner suffer a disability. 

By establishing a buy-sell agreement, you determine in advance exactly what happens to your or your partner's interest in the business should disability strike.

Our Disability Buy-Out Insurance is an economical means for funding the agreement, thanks to regular premiums that are known and can be budgeted for — not from depleting savings or investment accounts, drawing from future earnings, or affecting credit sources in order to buy out the disabled partner.

You’ve worked too hard and invested too much to leave the future of your business to chance. Contact me today to learn more about the right disability protection for you and your business.

^{Individual disability insurance policy forms 3100, 3200, and 18DB are underwritten and issued by Berkshire Life Insurance Company of America (BLICOA), Pittsfield, MA. BLICOA is a wholly owned stock subsidiary of The Guardian Life Insurance Company of America (Guardian), New York, NY. Product provisions and availability may vary by state. In New York: These policies provide disability insurance only. They do not provide basic hospital, basic medical or major medical insurance as defined by the New York State Insurance Department. For policy forms 3100, 3200, and 18DB, the expected benefit ratio is 55%. The expected benefit ratio is the portion of future premiums that the company expects to return as benefits, when averaged over all people with these policy forms.}

^{Guardian® is a registered trademark of The Guardian Life Insurance Copy of America.}

^{© Copyright 2024 The Guardian Life Insurance Company of America.}

^{Pub4376BL-EM (04/24)
2024-173048 (Exp. 04/26) *pre-approved content*}