Your business insurance is probably broken.
A Supreme Court ruling broke thousands of buy-sell agreements. A new tax law changed the math. Most owners don’t know where they stand.
If you own a business with a partner, a family member, or key employees the operation can’t run without, life insurance isn’t a perk — it’s infrastructure. It’s what keeps a death, a disability, or a departure from turning into a forced sale, a lawsuit, or a business that simply can’t recover.
Why this matters right now
A 2024 Supreme Court ruling (Connelly v. United States) changed how many buy-sell agreements are taxed. If yours was drafted before that ruling, it may no longer work the way you think it does.
The Three Things Every Owner Needs
A Funded Buy-Sell Agreement
A contract that says what happens if you or a partner dies, is disabled, or leaves — backed by an actual policy, not just a promise. See our Buy-Sell Agreement hub.
Key Person Protection
Coverage on the person (or people) whose absence would genuinely hurt revenue, financing, or client relationships. See our Key Man Insurance hub.
A Plan That’s Actually Current
Tax law and case law both moved recently. A plan drafted five years ago may be running on outdated assumptions.
Where to Start
If you already have a buy-sell agreement or key person coverage, the fastest win is a quick review — checking whether it’s actually funded, and whether it survived recent tax and legal changes intact.
If you don’t have anything in place yet, that’s a normal starting point too. We’ll figure out what your specific structure actually needs.
No call center, no generic quote form. Just Tom — a straight answer on where your business stands.
Not sure where to start?
Grab the free Colorado Life Insurance Buyer’s Guide — 7 questions to ask before you buy.
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