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Corporate-Owned Life Insurance

Corporate-Owned Life Insurance

When a company holds life insurance on an employee, it gains stability plus future value at once. Money grows quietly behind the scenes while risk fades into background. Protection wraps around business continuity like insulation. Over time, cash builds without fanfare. Value appears where others see only premiums.

Financial Coaching

Corporate-Owned Life Insurance Explained

Corporate-Owned Life Insurance (COLI) is a life insurance policy purchased and owned by a business on the life of an employee, executive, or owner. The company pays the premiums and receives the insurance payout when the insured person passes away.

Businesses often use this type of coverage as part of a broader financial or succession strategy. It can help protect the company from financial disruptions and provide funds to support long-term business planning.

Key Benefits

Tax Efficiency

Depending on the structure of the policy and applicable tax rules, corporate-owned life insurance may offer tax advantages for businesses.

Wealth Accumulation

Some policies build cash value over time. This value can grow gradually within the policy and may become part of the company’s financial strategy.

Business Protection

If a key leader or executive passes away, the insurance benefit provides financial support to help the company manage operational or financial challenges.

Strategic Uses

  • Funding buy-sell agreements
  • Estate planning
  • Business succession planning
  • Key person protection

Who Might Want To Think About This?

  • Incorporated businesses
  • High-profit corporations
  • Business owners planning succession

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