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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
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