Because there are no coverage, eligibility or participation requirements, Executive Benefits Plans are an impactful way an employer can provide rewards and incentives based on an employee-by-employee approach, offering maximum design flexibility. They are also crucial for ensuring that buy/sell agreements can be funded and that your business maintains continuity in crisis.

• Buy/Sell Agreement Funding - Protects you and your business if a partner or a majority shareholder passes away or is forced to leave the business.
• Business Continuation Planning - Helps a business determine its next course of action should a principle die, retire, or become disabled.
• Term Life Insurance - Term life insurance protects individuals under a life insurance policy for a determined period of time. When the time period ends, the coverage and benefit will expire. Should the insured die during the term, the death benefit is paid to the beneficiary of the policy. Term life insurance is the least expensive way to cover an individual for a substantial death benefit. Term life insurance is typically purchased to protect financial responsibilities such as mortgages, debt, education and funeral costs.
• Permanent Life Insurance - Permanent life insurance policies accumulate cash value and is effective for the life of the insured or until the policy endows. These policies accrue cash value during the life of the policy and guarantee a consistent premium for the life of the insured. A permanent rate is locked in once the policy is obtained.
• Disability Insurance - Monthly benefits provided to an insured when they cannot perform the duties of their current occupation due to a disability.
• Long Term Care Insurance - Coverage for individuals who cannot perform everyday tasks such as; bathing, dressing, eating, and walking.
• Key Executive Insurance - Protection for your business in the event of the death or disability of a principal or key employee.
• Estate Planning - In event of death, estate planning involves setting up trusts, a will, beneficiary and legal documents.

_{For a comprehensive review of your personal situation, always consult with a tax or legal advisor.  Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.}

• A supplemental executive retirement plan, which allows you to promise to pay additional income to yourself or your key employees at a later date, which is usually retirement.
• An executive deferred compensation plan, which allows you or your key employees to forego receipt of a portion of current income until a later date, which is usually retirement.
• Bonus plans, which provide you or your key employees with additional income that can be used to purchase insurance, annuity or investment products.

• Directors and Officers Liability Insurance - Liability insurance for directors and officers is not just for large public companies; it can be an equally valuable risk management tool for smaller businesses.