Business Life Insurance
Indianapolis, Indiana

If a key owner, partner, or employee dies, your business receives a tax-free death benefit to cover lost revenue, recruitment costs, and operational disruption. Coverage typically equals 2–5× the key person's annual compensation.

Best for: Any business with one or more people critical to revenue

Life insurance funds your buy-sell agreement so surviving partners can purchase a deceased partner's share at fair market value — without liquidating the business, taking on debt, or dealing with the deceased's family as unwanted partners.

Best for: Partnerships, LLCs, and closely-held corporations

SBA lenders require life insurance as collateral for loans over $350,000. A collateral assignment policy satisfies this requirement and protects your personal assets from business loan liability.

Best for: Indianapolis businesses with SBA 7(a) or 504 loans

Company-Owned Life Insurance (COLI) funds executive compensation, deferred comp plans, and golden handcuffs. Tax-advantaged cash value growth with market-linked returns through Indexed Universal Life.

Best for: Indianapolis businesses competing for executive talent

Employer-paid group life insurance is a low-cost employee benefit. Premiums are tax-deductible as a business expense. Employees receive $50K of coverage tax-free. Available for groups of 2+ employees.

Best for: Indianapolis businesses with 2+ employees

Business Overhead Expense (BOE) insurance pays your business's fixed monthly expenses — rent, utilities, payroll — if you become disabled and can't work. Keeps your Indianapolis business running while you recover.

Best for: Solo practitioners and small business owners

"We had a buy-sell agreement but no funding. Benjamin set up cross-purchase policies for both of us in 3 weeks. Now if either of us dies, the other can buy out the business without touching personal savings."

"Our SBA lender required life insurance as collateral for our $800K expansion loan. Benjamin got us a collateral assignment policy approved in 48 hours. Closed the loan on time."

"I'm the only dentist in my practice. If I died, the practice would collapse. Benjamin set up $2M of key person coverage on me. My staff and patients are protected."