Buy-Sell Agreement Funding

A buy-sell agreement can define what happens when a business owner exits, passes away, becomes disabled, or wants to sell their ownership interest. But an agreement without proper funding may leave partners or family members without the resources needed to carry it out.

We help business owners evaluate and fund buy-sell agreements using practical insurance-based strategies.

Who This Is For

This service is ideal for:

• Business partners
• Closely held businesses
• Family businesses with multiple owners
• Professional practices
• LLCs, corporations, and partnerships

What We Help With

We work with business owners and their legal advisors to review the financial side of a buy-sell plan.

Our process may include:

• Buy-sell funding analysis
• Life insurance strategy review
• Disability buyout planning
• Ownership valuation considerations
• Cross-purchase and entity-purchase planning support
• Partner liquidity analysis
• Coordination with attorneys and CPAs

Why Funding Matters

A buy-sell agreement may say what should happen, but funding helps make it possible.

Proper funding can help:

• Provide liquidity after an owner’s death or disability
• Protect surviving partners from financial strain
• Help heirs receive fair value for ownership interests
• Reduce disputes between families and business partners
• Keep the business operating during a transition

Our Approach

We help determine whether the current funding strategy matches the value of the business and the terms of the agreement. When gaps exist, we help identify insurance solutions that may support the agreement.

Our role is to help make sure the planning is not just written, but workable.

Call to Action

If your business has multiple owners, now is the time to review whether your buy-sell agreement is properly funded.