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Life Insurance for business owners

As a business owner, you may need to protect your legacy and the enterprise you've built. Having a strategy that includes life insurance can be an important step in implementing a succession plan and allowing for continuity, while preserving the value of your business.

Life insurance may help safeguard a business

Life insurance at J.P. Morgan is a differentiated experience

Strength, Stability & Global Reach

Our size and scale grants us enhanced buying power and allows us to curate the competitive products for our clients through institutional partnerships.

Client Centered Focus

We take the time to understand each client’s wealth plan, risk tolerance and asset appetite to propose customized strategies that can align with their goals and help address wealth planning gaps.

Comprehensive Platform

We provide dedicated end-to-end support and offer transparency of carrier rates, features and options. We compare multiple carriers’ strengths, weaknesses, pricing and underwriting processes to help us determine beneficial options for our clients.

Experienced Relationships

We work with some of the top carriers to provide competitive rates and unique product features. Our team understands our clients’ unique planning needs and continually works with our carrier partners to deliver innovative products that can optimize their plan’s growth potential.

Frequently asked questions about life insurance for business owners

How can a life insurance policy provide protection against the loss of key employees?

 

A loss of a key person can subject a business to potential hardship, as responsibilities and relationships can be left unattended for. Sometimes, the loss of a key employee can lead to a decline in company value, so having a thoughtful plan to protect against the uncertain can help fill the gap. The liquidity provided from life insurance can help stabilize the business and keep it going throughout the process of finding a replacement.

What is term life insurance?

 

An insurance policy for an individual who seeks coverage for a defined period, such as a parent who wants to make sure that the family’s financial needs are met no matter the circumstance.

How can a life insurance policy help secure liquidity to maintain your business?

 

Providing continuity for a business may be important, and you may want to ensure that there is enough liquidity to execute a business succession plan. Insurance can provide liquidity to buy out surviving heirs. There can be several other ways to fund a buy-sell agreement, including borrowing against the business or using cash flows from the business.

What is whole life insurance?

 

An insurance policy for an individual who, regardless of when he or she passes away, intends to ensure that beneficiaries receive financial support.

Succession Planning: How to Transition your Business to the Next Generation

How can business owners prepare for a smooth transition to the next generation?

LEARN MORE

Is your permanent life insurance policy’s cash value still what you think it is?

Market volatility may impact the health of your life insurance policy. Here’s how U.S. clients can evaluate whether their policy might need a check-up.

LEARN MORE

We focus on the intention business owners have for their businesses. Our teams help you protect, plan for and align what is, for many, their most valuable asset.

To find out more about how life insurance can help provide liquidity and protection, contact your J.P. Morgan team today.

Contact us to discuss how we can help you experience the full possibility of your wealth.

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LEARN MORE About Our Firm and Investment Professionals Through FINRA Brokercheck

To learn more about J.P. Morgan’s investment business, including our accounts, products and services, as well as our relationship with you, please review our J.P. Morgan Securities LLC Form CRS and Guide to Investment Services and Brokerage Products. 

 

JPMorgan Chase Bank, N.A. and its affiliates (collectively “JPMCB”) offer investment products, which may include bank managed accounts and custody, as part of its trust and fiduciary services. Other investment products and services, such as brokerage and advisory accounts, are offered through J.P. Morgan Securities LLC (JPMS), a member of FINRA and SIPC. Insurance products are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. JPMCB, JPMS and CIA are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.