12 VIDEOS · BUSINESS LIFE INSURANCE
A video for every business owner conversation you're already having
A video for every business owner conversation you're already having
Every card below includes the video's public title (what business owners see), the advisor context (why you'd use it), and a specific "Send when" trigger matched to a real client situation. This is your business life insurance content marketing library — built, produced, and ready to deploy. No script-writing, no recording, no editing required.
BUSINESS LIFE INSURANCE
Protect Your Business Profitability & Market Value
Five core uses of business life insurance: executive leadership coverage, debt liquidation, special talent protection, buy/sell funding, and salary continuation. Uses a real scenario — a manufacturing firm loses a partner, no buy/sell funding exists, and the deceased partner's spouse becomes an unwanted shareholder. The "why you need to think about this at all" entry point.
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Send when: A business owner of any size has no formal business protection strategy. This is the opening video for any business insurance conversation.
KEY PERSON
Business Protection: Key Person Insurance
What key person insurance is, how it works, and what the tax-free lump sum actually covers — replacement recruiting, lost revenue, and operational continuity. Actuarial data: 54% chance at least one of three key employees dies before retirement; 83.5% chance one becomes disabled. Real examples: a Los Angeles distributor loses their accounts manager in a car accident; a Boston software company's president has a heart attack. Includes return-of-premium option.
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Send when: A business owner depends heavily on one or more individuals — a top salesperson, lead engineer, or founder — whose absence would measurably hurt the company.
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Watch the rest of these videos, plus 150+ more!
Watch the rest of these videos, plus 150+ more!
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Immediately use in your client meetings + follow-ups
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New videos added regularly
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BUY/SELL FUNDING
Funding Your Buy/Sell Agreement
40% probability one partner under 50 dies before retirement; 70% probability of disability. Explains the buy/sell agreement, valuation formula, and why insurance is the only tax-efficient funding mechanism. The Tony/James/Robert story: three partners, a death, no funded agreement — Tony's widow demands seven years of quarterly earnings payments, draining the firm's profits and the surviving partners' retirement savings.
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Send when: A business with two or more partners has no funded buy/sell agreement. The story closes faster than any whiteboard explanation.
BUSINESS SUCCESSION
Business Succession Planning
70% of privately owned businesses fail to transition successfully from one generation to the next. The three failure points: inexperienced successors, family disputes over roles and profits, and estate tax-forced liquidation within nine months of the owner's death. Shows how mentoring, legal clarity, and tax planning — with life insurance as the funding mechanism — address all three. Case study: $12M manufacturing company founder, multi-stage transition plan.
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Send when: A business owner is thinking about their exit — even abstractly. Creates urgency through statistics, not pressure. Ideal 5–10 years before retirement.
EXECUTIVE BONUS
Executive Bonus Retirement Plan
IRC Section 162 allows tax-deductible bonus compensation to any employee — including the owner. Section 7702 lets that bonus fund a Retirement Insurance Contract that grows tax-deferred and pays out tax-free income in retirement. Non-qualified: no contribution limits, no ERISA compliance, no discrimination testing. Fully selective — offer it to yourself only, or any individual you choose. Optional double bonus covers the executive's taxes on the funding bonus.
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Send when: A corporate owner or executive wants to use tax-deductible company dollars to fund their own exclusive, tax-free retirement plan without employee inclusion.
DEFERRED COMPENSATION (SERP)
Supplemental Executive Retirement Plan
A SERP is a legally binding agreement that promises an executive future retirement income — but only if they stay until then. "Golden handcuffs" in practice. Non-qualified, fully selective, no ERISA rules, no IRS contribution limits. Funded with corporate assets or salary deferrals; typically backed by corporate-owned life insurance under IRC Sections 101 and 7702. Case study: construction firm CFO offered $75K/year for 10 years starting at 65 — declines a competing job offer.
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Send when: A business owner wants to recruit, reward, or retain a key executive without the administrative burden of a qualified plan.
BUSINESS TAX STRATEGY
Your Business Tax Strategy
The Safe Money Business Tax Strategy restructures how a business uses cash flow, profit, equity, and compensation — without aggressive write-offs or audit risk. Case study: Mike and Rick, HVAC company, $9.4M valuation, $630K in building equity, existing 401(k) and buy-sell. Assumed they'd maximized their tax position. Result: $1.86M in projected income tax savings and $4.2M in future tax-free retirement income — with no additional savings required.
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Send when: A business owner says "my CPA takes care of that." This video opens a conversation their CPA almost certainly hasn't had with them.
INSURANCE FINANCING
How to Finance the Cost of Business Life Insurance
Premium financing: leverage capital assets (real estate, investment accounts) as collateral for a low-interest loan to fund a large insurance contract — without pulling cash from income-generating assets. The policy's tax-advantaged growth offsets borrowing costs. The contract becomes its own collateral. Upon death, the benefit repays the outstanding balance; the remainder passes tax-free. Case study: $15M real estate investor secures $5M in estate liquidity without selling a single property.
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Send when: A high-net-worth client needs substantial coverage but stalls on "I can't afford the premium." This video reframes the conversation from expense to leverage.
BUSINESS EQUITY BANKING
Tax Free Retirement Business Line of Credit
Business Equity Banking replaces a commercial line of credit with a self-funded private reserve using retained earnings over 4–5 years, structured under IRC Sections 101 and 7702. Instead of paying interest to a bank, interest goes back into the business's own equity bank — and the interest is tax-deductible if funds are used for business expenses. Becomes either tax-deductible deferred compensation or tax-free retirement income depending on ownership structure. Case study: HVAC business, $250K annual credit line.
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Send when: A profitable business owner uses a line of credit and has consistent retained earnings. Best for owners 10–15 years from retirement or exit.
BUSINESS EQUITY TRANSFER
Convert Business Equity into Tax Free Retirement
Business Equity Transfer uses business fair market value or accounts receivable (minimum $1M) as the basis for a premium-financed Retirement Insurance Contract under IRC Sections 72, 7702, and 101. No ERISA compliance, no employee inclusion, no IRS reporting. Creates double leverage: business equity keeps appreciating while the IUL grows tax-free. At retirement, the business is sold or receivables run off; proceeds repay the loan; policy delivers tax-free income for life. Case study: dental group owner, $2.5M in accounts receivable.
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Send when: A business owner with $1M+ in equity or receivables has no personal retirement strategy separate from the business sale.
BUSINESS BUYER INSURANCE
Get Top Dollar for Your Business with a Buyer Guarantee
Business Buyer Insurance is a permanent life insurance policy on the seller that reimburses the buyer — tax-free — for the full purchase price when the seller eventually passes. The policy sits on the business balance sheet as an asset and is included in the sale agreement. The buyer continues paying premiums post-sale. If no buyer is found, the policy generates tax-free retirement income for the seller instead. Works proportionally for multi-partner businesses.
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Send when: A business owner intends to sell at retirement and wants to maximize sale price while making the deal more attractive — and protect themselves if no buyer materializes.
412E3 PENSION PLAN
The "Late Start" Maximum Deduction Pension Plan
Section 412(e)(3) — the "Late Start" pension — allows small business owners over 50 with 5 or fewer employees to make massive tax-deductible contributions funded entirely by guaranteed annuities or life insurance. Annual deductible contributions can exceed $250K starting at 50, $350K at 55. Guaranteed monthly income of $16,660 ($200K/year) for life starting at 66. Legally discriminatory — as much as 90% of contributions benefit the owner. No investment risk, simple to administer. Case study: dentist, 56, 2 assistants, $300K+ annual contributions.
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Send when: A small business owner over 50 with high income and limited time to catch up on retirement savings. The "you didn't know this existed" conversation.
video_library
Watch the rest of these videos, plus 150+ more!
Watch the rest of these videos, plus 150+ more!
check
Full access to all videos and categories
check
Immediately use in your client meetings + follow-ups
check
New videos added regularly
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It's free to join and there's no contract, cancel anytime.
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