How Can We Protect The Company From
Unknown Or Hard-To-Insure Risks?

Most companies can be exposed to a wide range of significant and hard-to-insure risks such as unfunded long-term corporate liabilities, or the death or disability of a key executive. We develop solutions to reduce the financial impact of many of these risks and liabilities.

Key Person Insurance
The disability or death of a key executive or owner can have devastating financial consequences for a company. Insurance proceeds reduce or eliminate the financial impact caused by the loss.

Post-Employment Benefit Funding
Special life insurance, health insurance and annuity contracts can provide funding for post-employment benefits. These contracts, whether owned by the company or by an independent third party such as a trust, can significantly reduce the cost of providing these benefits.

Business Succession Planning and Funding
A well-designed successor ownership plan can help assure business continuity by combining a legal agreement with appropriate insurance funding. The destabilizing effects of a management change, disability or death of an owner are minimized when a formal succession plan is supported by the proper funding vehicle.

Pension Liability and Special Obligation Funding
Mergers and acquisitions; special promotions and contests; and compensatory and environmental damage suits often create long-term and uncertain financial obligations. Specialized annuity products, in concert with the appropriate legal and plan documentation, can eliminate uncertainty and remove the ongoing financial and legal obligations created by these events.

Casualty and Liability Exposures
Many corporations face risks that are uninsurable, exceed available insurance limits, or are too costly to insure through conventional property and liability insurance coverages. Specialized aggregate funding and structured settlement solutions can enable a company to reduce the future financial impact of these risks.