Life insurance protects your business, family, and build long term value
When structured correctly, life insurance can protect cash flow during disruption, fund ownership transitions, and reduce financial chaos if a key person is lost. We help you evaluate the right strategy, align coverage to real risk, and coordinate next steps with your licensed professional.
Business Life Insurance
Life insurance can do more than provide a payout. When structured correctly, it can protect business continuity, protect your family, reduce financial disruption, and support wealth and asset protection. We help business owners evaluate strategy, coverage alignment, and how policies fit into real business risk so the plan actually works when it matters.
Key Person Protection Strategy
Protect the business if a critical owner, executive, or revenue-driving team member is lost. We help clarify the financial exposure and align coverage strategy so the business can continue operating.
Buy-Sell Funding Strategy
If you have partners, life insurance is often used to fund ownership transfer after a triggering event. We help you evaluate structure needs and ensure the strategy matches how you want transitions handled.
Debt and Obligation Coverage Strategy
Many businesses carry loans, leases, equipment notes, or investor obligations. We help you map which liabilities create risk and how insurance can be used to protect assets and reduce financial strain.
Executive and Owner Continuity Strategy
Owner absence can create operational and financial chaos. We help align life insurance planning with your succession and continuity plan so authority, access, and cash flow protection work together.
Wealth Transfer and Asset Protection Strategy
Life insurance can be used to create liquidity and reduce pressure on business assets during a transition. We focus on strategy alignment so wealth and business stability are protected at the same time.
Executive Bonus Plans
An Executive Bonus Plan is a way for a business to help key executives or owners obtain life insurance using a bonus compensation structure. We help you evaluate fit, define goals (retention, benefits, wealth planning), and coordinate the next steps with a licensed professional for implementation.
How we set you up for success
Life insurance is one of the most overlooked financial tools in business. Smart CEOs and wealthy families use it to create liquidity on demand, protect cash flow during disruption, and fund ownership transitions without being forced into bad decisions. When it is structured correctly, it stops being “a policy” and becomes part of your business continuity and wealth strategy, and we will help you set it up the right way.
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Identify key person, ownership, and debt risks that can disrupt operations
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Match insurance structure to the continuity plan and ownership intent
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Confirm coverage alignment, beneficiary structure, and funding purpose
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Coordinate implementation steps with your licensed professional and advisors
© 2026 by Thrive Consulting Group LLC.
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