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Key person insurance can be an important part of the way your business hires and retains top talent—one of the biggest challenges for many small business owners. Matching the benefits that larger companies offer can be difficult, so you should prioritize what your business is able to provide and what your employees will value most. Employee life insurance is a benefit that many professionals consider important.

There are a variety of options for group life insurance, and your employees can be given the ability to opt into supplemental life insurance protection via convenient payroll deductions, 合乐888登录注册将设立哪一家.1 You can also add disability protection, which many employees will value.

除了, 合乐888登录注册 offers small business solutions to help you attract and retain the kind of employees who will help your business thrive. 关键人物合乐8注册登录, 也称为关键员工合乐8注册登录, is one way that business owners can reward and retain their best talent.

You will want to speak with an agent who specializes in helping small businesses. Your agent will be able to outline several strategies that could help you attract, 留住和奖励关键员工. 才能找到适合你的策略, he or she will ask you about your specific objectives.

首先要解决的问题是:

  • 你的主要目的是什么?
  • 是为了吸引高素质的新员工吗?
  • 来留住你现有的关键员工?
  • To reward your top performers with incentives designed only for them?

There are several plans that many businessowners find valuable. The arrangements can be funded with whole life or term insurance.

保持奖金计划

The employer promises a specific bonus to an employee who stays for an agreed-upon period of time.

  • For stay bonus plans, businesses often purchase whole life policies on valued employees. The cash value in the insurance policy can then be accessed to pay the bonus.2 万一有人英年早逝, the business is compensated for the loss of a valuable employee.
  • Sometimes term insurance works well with a stay bonus plan. 例如, if a business owner is planning to retire (and sell his business) in 10 years, but wants to make sure that his wife will be able to continue the business if something happens to him in the meantime, he could offer generous yearly bonuses to key employees who will stick with the business after his death. In order to pay the bonuses, the business owner would take out a 10-year term policy on his own life. If he survives, the stay bonus money will not be needed. (And term insurance is such a bargain that he will not be out a significant amount of money.) But if he doesn’t survive, his widow will have ample funds to pay the bonuses.

162高管奖金计划

The employer gives the employee a yearly bonus that is used to purchase and pay premiums on a whole life insurance policy that is owned by the employee.

行政人员补充退休计划

The employer promises an additional retirement benefit to a key employee, usually in return for not leaving before a certain date. It can be financed by purchasing a whole life policy (which accumulates cash value).

合乐888登录注册 gives your business more than just insurance coverage.

合乐888登录注册 provides professional support whenever you or your employees need it, backed by 175 years of proven financial strength and a track record of helping small businesses succeed.3 Connect with a 合乐888登录注册 financial professional today to learn more about our small-business insurance solutions.

请注意, 也不是合乐888登录注册, 或其代理人, 提供税收, 法律, 或会计的建议. Please consult your own tax, 法律, or accounting professional before making any decisions.

This program is not intended to be subject to the Employee 退休收入 Security Act of 1974 (ERISA). The employer does not contribute to or endorse the program. 员工的参与是完全自愿的.
Accessing cash value will reduce death benefit and available cash surrender value.
合乐888登录注册 has received the highest financial strength ratings currently awarded to any U.S.标准合乐8注册登录公司 & 普尔(AA +).M. Best (A++), Moody's Investors Service (Aaa), and Fitch (AAA). Source: Individual Third-Party Ratings Reports as of 10/15/20.