Life Insurance Products

From Term life to advanced Universal Indexed Life, we have you covered.

Buy-Sell Agreements

Funding a buy-sell agreement with life insurance to help your business: Protect against unintended or unwelcome transfers of ownership.  Prevent heirs from having an inheritance they can’t use.  Provide funding for the transfer of ownership of the business.  Avoid lengthy probate disputes and potential lawsuits

Executive Bonus Arrangements

Help incentivize employee retention with an attractive benefit.  Provide an exclusive compensation package for selected employees.  Offer tax advantages for the employer.  Easy to implement and administer.

Key Person Plans

Help protect against financial losses from the death of a key person, including: Loss of managerial skill and experience.  Decrease in sales.  Adverse effects on production.  Restrictions on credit to the company.  Expense of recruiting and training a replacement.

Emerging Liability Risk

Pathfinder investigates different methods that aim to reduce uncertainty in emerging liabilities through careful planning of life insurance with cash values.  Employee Stock Ownership Plans have liabilities in the future to pay out exiting employees.  Think of it as a high level sinking fund.