What Keeps You Up At Night?

You're never too small to put a plan in place for your business. You don't have to be a fortune 500 to put a key person, buy/sell, disability, or pension plan in place for you and your business. You can be a one person plan or you can be a fifty person plan.

Inquire! See what's out there. We can develop a plan to include you, your business, and your team.

Helen Ornellas

On Life – Executive

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Our Services

Life Insurance

Income Protection

Income Protection

Income Protection Insurance is a type of insurance policy that pays out a regular income if you become unable to work due to an illness, injury or disability.

Buy/Sell Agreement

Buy/Sell Agreement

Buy/Sell Agreement is between partners or co-owners that outlines terms for buying a partner's share in the event of death, disability, retirement, or other circumstances.

Key Person

Key Person

A life insurance policy taken out by a business to protect against financial loss if a key employee or executive dies or becomes unable to work.

Business Loan Guarantee

Business Loan Guarantee

A life insurance policy taken out by a business to guarantee the repayment of a business loan in the event that the business owner dies or becomes unable to work.

Executive Bonus

Executive Bonus

A type of cash bonus plan that allows employers to provide key executives with additional compensation in a tax-efficient manner.

Estate Planning

Estate Planning

The process of organizing your assets and finances in order to minimize taxes and ensure that your property is distributed according to your wishes after your death.

Special Needs

Special Needs

A life insurance policy that is designed to provide financial support for a person with special needs after the death of a caregiver.

Retention Planning

Supplemental Executive Retirement Plan (SERP)

SERP

A type of retirement plan that provides additional benefits to top executives beyond what is offered through a company's regular retirement plan.

Short Term Incentive Plan (STIP)

STIP

A performance-based bonus plan that provides employees with additional compensation based on meeting short-term goals or objectives.

Deferred Compensation Plan

Deferred Compensation Plan

A type of retirement plan that allows executives to defer a portion of their compensation until retirement, often with tax advantages.

Funding Options Available

Funding Options Available

Various methods that businesses can use to fund executive benefits, including employer-paid plans, employee-paid plans, and split-funded plans.

Long Term Disability

Personal & Professional

Personal & Professional

A type of Long Term Disability policy that provides coverage for both personal and professional needs, such as business debts or buy-sell agreements.

Multi-Life

Multi-Life

A type of Long Term Disability policy that covers multiple individuals under a single policy, often used by businesses to provide coverage for multiple employees.

Buy/Sell

Buy/Sell

Buy/Sell Agreement is between partners or co-owners that outlines terms for buying a partner's share in the event of death, disability, retirement, or other circumstances.

Overhead Expense

Overhead Expense

A type of disability insurance that provides coverage for the overhead expenses of a business in the event that the business owner becomes unable to work.

Long Term Care

Personal

Personal

A type of insurance that provides financial support for care in the event of a chronic illness or disability.

Life with Long Term Care Rider

Life with Long Term Care Rider

A type of life insurance policy that includes a rider for long-term care, providing financial support for care in the event of a chronic illness or disability.

Single Premium Life – Long Term Care Rider

Single Premium Life – Long Term Care Rider

A type of life insurance policy that includes a rider for long-term care, with a single lump-sum payment for the policy.

Multi-Life

Multi-Life

A type of Long Term Care policy that covers multiple individuals under a single policy, often used by businesses to provide coverage for multiple employees.

Reviewing Services

Life Insurance Review

Life Insurance Review

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Long Term Care Review

Long Term Care Review

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Disability Review

Disability Review

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Medicare Review

Medicare Review

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You're never too small to put a plan in place for your business. ​

Helen Ornellas

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