For Business Owners
We offer business owners tailored life insurance strategies that provide comprehensive protection and long-term financial security.
Our services are designed to safeguard your company against unexpected losses, enhance executive benefits to retain top talent, ensure smooth ownership transfers through properly structured agreements, and support growth with tax-advantaged cash value solutions that give you access to capital when needed.
By aligning protection with opportunity, we help you build a business that thrives today and endures for generations.
Index Universal Life
We offer competitive Index Universal Life (IUL) products, exclusively designed for the affluent, typically a minimum $1M+ face amount with high cash value accumulation.
Executive Bonus Plan
A strategy to attract, retain, and reward key employees by providing a bonus used to purchase a personal, permanent life insurance policy. The business pays the premium as a bonus, which the employee reports as taxable income, but the company can often deduct the bonus as a business expense.
Buy-Sell Agreements
A legally binding contract that ensures a smooth transition of business ownership if a partner passes away, becomes disabled, or decides to leave the company. This plan sets the terms for how ownership shares will be valued, funded, and transferred — preventing disputes and financial strain during critical times.
Whole Life
A permanent solution designed to provide lifelong protection while building guaranteed cash value in a conservative manner. With fixed premiums and a guaranteed death benefit, it offers financial security for you, your loved ones, and your business, ensuring your legacy is protected.
Key Person
A permanent policy a business takes out on a critical employee, owner, or executive whose skills and contributions are essential to the company’s success. If the insured person passes away, the policy provides the business with funds to cover financial losses, recruit and train a replacement, or maintain operations during the transition.
What Our Clients Say
Sarah, Small Business Owner
It required a team to secure my business, from estate planners to CPAs to lawyers; and I'm thankful for the role ISL played working with my team and providing advanced life insurance solutions