Who We Serve
Life Insurance for the Self-Employed and Small Business Owners
When you work for yourself there is no HR department quietly providing a group life benefit in the background. Everything is on you — and there is usually more to protect, because business debt and personal debt tend to be tangled together.
Not sure which fits?
Answer a few questions and we'll point you to the right coverage.
What should you know about The exposures that are specific to you?
Employees generally have one of these. You may have all four.
No group coverage at all — the baseline everyone else has does not exist
Personally guaranteed business loans and lines of credit that survive you
Key person risk — the business may not function or sell without you in it
Buy-sell obligations if you have a partner, which need funding to be enforceable
What should you know about Key person and buy-sell coverage?
Key person insurance is owned by the business on the life of an essential person, giving the company cash to survive the disruption. A buy-sell agreement funded with life insurance lets a surviving partner buy out the deceased partner's share without a forced sale — an unfunded buy-sell agreement is often just a document describing a problem.
What should you know about Personal coverage still comes first?
Before the business structures, make sure your household is covered. A term policy sized to your mortgage, debts, and family income needs is the foundation. The business layers go on top of that.
Why work with an independent agent?
A captive agent usually represents one company. Our network includes 20+ top-rated carriers, with available options depending on your state and profile. We help compare quotes for coverage and underwriting fit at no cost for comparison, without guaranteeing approval or the lowest price. Policy premiums apply.
Licensed Agent vs. captive agent — the full breakdownFrequently asked questions
Other people we help
Veterans
By occupation
Teachers
By occupation
Nurses
By occupation
Active military
By occupation
Business owners
By occupation
Truck Drivers
By occupation
This page is educational and is not an offer of insurance, a quote, or a guarantee of coverage. Underwriting decisions, rate classes, and product availability are determined by each insurance carrier and vary by state, age, and health history. Carrier guidelines change without notice.