Executive Benefit Consulting

Reimbursing the business for economic loss in the event of a key employee's death.

Allowing the key employees to defer compensation and to capitalize on tax advantages.

Utilizing life insurance to ensure the viability of a company in the event of the death of a key employee.

Offering key employees more life insurance protection at typically lower out of pocket expense.

Split-Dollar Insurance is not an insurance policy; it is a method of paying for insurance coverage. A split-dollar plan is an arrangement between two parties that involves "splitting" the premium payments, cash values, ownership of the policy, and death benefits. These arrangements are subject to Split Dollar Final Regulations that apply for purposes of federal income, employment and gift taxes. Regulations provide that the tax treatment of split-dollar life insurance arrangements will be determined under one of two sets of rules, depending on who owns the policy.

Providing selective benefits to key employees, empowering the business to decide who qualifies.

Creating protection plans for key employees to let them focus on living the life they are accustomed to.