Portuguese
Spanish
Strategic protection for business continuity.
Business Life Insurance is a solution aimed at protecting the corporate structure, partners, and key people of a company. It allows for the organization of financial risks, guarantees liquidity in critical moments, and supports operational continuity and succession strategies.
More than a benefit, it is a business and estate planning tool, designed according to the size, corporate structure, and objectives of the business.
Pillars of Business Protection
- Key Man: Financial replacement for the loss of an executive essential to revenue.
- Business Continuity: Working capital injection to keep operations healthy.
- Simple Insurance (Term): High-value protection at low cost for expansion phases.
- Insurance with Accumulation: Use as an executive benefit (Bonus) or corporate emergency reserve.
- Buy-Sell Agreement: Liquidity to purchase the corporate share of a deceased partner, avoiding conflicts with heirs.
What is "Key Man" Insurance?
Imagine you have a sales manager or a technical director who brings a lot of revenue to the company. The loss of this employee can generate a period of adjustments and immense financial losses until a replacement is found. Key person insurance pays the company a sum of money to cover these losses and keep the operation stable.
Insurance for Business Succession
Imagine a company with 4 partners. Upon the death of one of them, in addition to the emotional impact, the company may suffer financially. The heirs of the deceased partner are entitled to their share in the business, which often forces the company to decapitalize to pay them.
With business insurance, the policy capital is used to:
- Settle the debt with successors (buying their share).
- Provide extra working capital for the company.
- Ensure that the remaining partners maintain control of the business.
I NEED BUSINESS INSURANCE
Our consultants can provide more information on this subject and the best ways to protect yourself.
Speak with a ConsultantPartner Institutions
We work with the most solid insurance companies in the market
Frequently Asked Questions
Yes. Generally, the company is the policyholder and premium payer. In cases of "Key Man" or "Succession," the company itself or the remaining partners are the beneficiaries.
Yes. Small and medium-sized businesses (especially family-owned) are the most vulnerable to the loss of a founding partner. The insurance guarantees the necessary liquidity for the business to survive the transition.
Yes. Insurance plans with accumulation can be structured as "Golden Handcuffs" to retain important talent, offering a long-term bonus.
Continuity requires planning.
Business Life Insurance is a strategic tool for companies that think about the future and wish to reduce risks in an organized manner.
