Every business needs to have at least two assests to remain successful, the skill of its key employees and adequate cash flow. Lose either, and your business is in trouble!

Protect your business with a key person life insurance program.

For generations, key person life insurance programs have:

• Protected businesses from the losses caused by the deaths of key   employees
• Created capital to repay loans and lines of credit
• Funded succession and estate planning needs
• Secured the benefit plans offered to key employees and their families
• Provided capital through policy loans to fund emergency needs,   expansion, and other business needs

The business applies for, owns, and is named as the beneficiary of the policy. Business premium payments are nondeductible.

Upon the death of a key person, the policy's death benefit is paid immediately to the business. The policy's death benefit is usually income tax-free unless the corporation is subject to the Alternative Minimum Tax.

Protections - Key Person life insurance protects your business.

Immediate Liquidity - Policy death benefits are paid quickly to your business.

Cash Values - Permanent life insurance plans can develop significant policy cash                       values, which are accessible through policy loans.

Cost Effective - Life insurance plans are cost effective and flexible.

Confidence - A key person life insurance program provides confidence to your                      lenders and key employees.

A key person life insurance review is essential to protect your business. It is intended to provide you with a general overview of the advantages of using life insurance as a vehicle to fund a key person life insurance program. Always consult with your professional team of advisors for guidance pertaining to your particular situation.