What Happens If a Partner Dies?
Without a funded buy-sell agreement, the answer to that question could destroy everything you've built.
The Business Prenup
A Buy-Sell Agreement Is
Only As Good As Its Funding
The Legal Document vs. The Harsh Reality
If you own a business with partners, a buy-sell agreement is the legal document that defines what happens if one of you dies, becomes disabled, wants to retire, or needs to exit. It's often described as a business prenup.
Without proper funding, surviving partners may be forced to take on a deceased partner's family members as new co-owners, sell the business at a bad time, or come up with cash they don't have. None of those outcomes are good.
The Strategy for Financial Strength
The most common and cost-effective way to fund a buy-sell is with life insurance - so if a partner dies, the death benefit provides the cash to buy out their share from their heirs at a pre-agreed price.
We help business owners structure buy-sell agreements that are properly funded and designed to hold up when it matters most. It is the only way to guarantee the Financial Strength of your surviving partners and your family.
Structures Built For Strength
FUNDING STRUCTURE
Cross-Purchase Agreement
Each partner owns a policy on the other. When one partner dies, the survivor uses the benefit to buy out the deceased's share.
FUNDING STRUCTURE
Entity Purchase Agreement
The business itself owns policies on each partner and uses the benefit to redeem the deceased's ownership interest.
FUNDING STRUCTURE
Disability Buyout
Covers the buyout trigger of a partner becoming permanently disabled - often overlooked and critically important.
FUNDING STRUCTURE
Valuation Alignment
Works alongside business valuation to set a fair, pre-agreed purchase price - avoiding disputes at the worst possible time.
Who This Is For
Protect Your Family's
Interest
This service is built for business owners who:
Own a business with one or more partners
Have a buy-sell agreement in place but no funding behind it
Have never formalized what happens if a partner exits unexpectedly
Want to protect their ownership stake and their family's financial interest in the business
FINANCIAL STRENGTH
Secure Your Business Survival
Partnerships end - by choice or by circumstances you can't control. A properly funded buy-sell agreement means the business survives and everyone is treated fairly, no matter what happens.
Take the first step toward lasting Financial Strength.
Built on Trust
24+ Years
Experience
Independent
We Work For You
Licensed
In 29 States
Arizona Based
Serving Owners Beyond
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