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Home / Business Insurance
“A strong business is built on preparation, not luck. Protect what you’ve worked hard to create “.
Protect Your Business. Reward Your Team. Secure Your Future.
Life insurance isn’t just personal protection—it’s a powerful tool for your business. Attract and retain top talent by offering coverage that safeguards their families, while also protecting your company, partners, key employees, and loved ones from the unexpected. Smart coverage today ensures stability and peace of mind for tomorrow. That’s smart business.
Key person insurance protects your business if a vital employee passes away and may also provide coverage if they become disabled or face a serious illness. Proceeds can cover expenses, lost revenue, or debt—helping your business stay strong or transition smoothly. .
Business partnerships are agreements in writing—but life insurance makes them financially secure. A buy-sell life insurance policy ensures that if an owner passes away, the business or remaining owners can buy out their share smoothly. Other events, such as disability or retirement, can also trigger a buy-sell, with funding arranged to keep ownership stable and operations uninterrupted. Death → Life Insurance, Disability/Retirement → Funding solutions. Keep your business in trusted hands.
When the company owns the policy, premiums may be treated as a business expense, and the cash value can be used to strengthen the business—covering overhead, paying debts, or funding retirement programs. Protection with potential tax advantages.
Executives often need more coverage than standard group benefits provide. Offering additional life insurance ensures their families are protected while positioning your company as an employer of choice. Protect your people. Protect your success.
Permanent life insurance builds cash value that business owners can borrow against to cover overhead, supplement cash flow, or help weather uncertain economic times. Flexibility when your business needs it most.
Help key employees purchase additional life insurance with company-paid bonuses. The business may deduct the cost, while employees gain valuable protection and cash value that can supplement retirement. Reward your executives. Reward your business.
Life insurance is often the backbone of a buy-sell agreement. Death benefits can fund the purchase of a deceased partner’s share, reducing conflicts and keeping the business running smoothly. Cash value can also help successors fund their eventual purchase. Plan today. Protect your legacy.
Family-owned businesses often face challenges in dividing assets fairly. Life insurance can provide a death benefit to non-active family members, balancing inheritances and reducing conflict. Protect your family. Protect your business.
Use life insurance to fund deferred compensation or supplemental retirement benefits for key employees. If they retire, cash value can provide income; if they pass away, proceeds benefit the business and their family. Keep your top talent motivated and secure.
The loss of a critical employee can impact revenue and operations. Key person insurance provides death benefits that cover lost revenue and replacement costs, helping your business stay strong during unexpected transitions. Protect your business against the unexpected.
Reward your top performers with benefits that go beyond salary. With an executive bonus plan, the company provides a bonus to pay life insurance premiums (often tax-deductible for the business). The employee owns the policy and can use its cash value for retirement, while the death benefit protects their family. Attract, reward, and retain talent like a pro.
Business Loan Protection: Safeguard Your Investment. Taking a business loan? Lenders often require life insurance to protect their investment—and your company. This coverage ensures that if an owner or key person passes away, the debt can be paid without putting the business at risk. It also helps maintain operations and provides peace of mind for your partners and employees. Protect your business. Protect your future, now. Income protection policies can be added if disabled or ill.
Protect your entire team with a simple, cost-effective solution. Group life insurance is a valued employee benefit that boosts loyalty and morale while safeguarding families. Strong coverage for the people who make your business thrive.
Safeguard your business. Secure your success. Contact us Today!
© 2025 O’Rourke Life & Retirement. All rights reserved. Specializing in fixed annuities, life & health insurance solutions. We are not a registered investment adviser or securities broker-dealer and do not provide investment, tax, or legal advice. Insurance products offered by Greg O’Rourke, Licensed Insurance Agent & Financial Professional. Not connected with or endorsed by the U.S. government, Medicare, or the Federal Marketplace. Licenses: FL #G166831 | National Producer #21340769 | Multi-State Licensed Agent
