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Offset for lost profits or pay off debt
Allow adequate time to find a replacement for the individual and get things back up to speed
Money may also be used to buy out the deceased's share in the company when used to find a buy-sell agreement
Also used as an incentive to retain essential employees by making a portion of the benefits payable to the employee's family, which can make it an important part of your company's benefits package
Securities offered through LPL Financial, Member FINRA / SIPC. Insurance products offered through LPL Financial or its licensed affiliates. IBC Bank and IBC Investment Services are not registered broker/dealers and are not affiliated with LPL Financial.
Not FDIC Insured Not Bank Guaranteed May Lose Value
Not Insured by Any Government Agency Not a Bank Deposit
This site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered: Alabama, Arkansas, Arizona, California, Colorado, Delaware, Florida, Georgia, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, New Mexico, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Virginia and Washington. Please note that not all of the investments and services mentioned are available in every state.