关键人物——保险是如何帮助您做生意的 How key person insurance can help your business


作为企业主,您知道您成功的前提是什么,您不但今天要保护自己的生意,同时还要确保您的退休计划已经得到妥善的安排,甚至也想留下一些遗产给您关爱的人。

但是,如果您的计划被打断或者由于健康问题而无法继续经营您的生意会发生什么?
生意经营是否成功意味着要解决棘手的问题,为突发事件做好准备就是其中之一。保险是帮助您充分利用公司内所剩资产的一种方法。

您可以通过使用关键人物保险达到下面几项目标。

通过保险保护您的生意
您可以考虑以下一些方案作为财务计划的一部分,正确的保险可以帮助您:
1.如果您或主要员工突然无法工作,关键人物保险可以保护您的业务
2.还清企业贷款
3.如果您或者您的合作伙伴中的一个人要离开,关键人物保险可以提供资金以购买另一人的业务份额
4.如果您离开,关键人物保险可为您的家人支付费用

确保您有一个平稳的生意传承策略
您可能想退休并想把生意继续传承经营下去。因此,制定计划以帮助生意传承的顺利过渡是很重要的。您是否考虑过您有什么选择?

为您关心的人留下遗产
考虑未来您的资产和您的家庭会发生什么很重要:
1.您是否制定了计划来照顾亲人?
2.您是否在以节税的方式增加财富?
3.那你的财产呢?将其公平地分配给家庭成员是否容易?

全面去看待自己的生意计划
您一直在努力发展自己的生意并取得成功,因此保护您的生意则更为重要。

----Original Article----

How key person insurance can help your business

As a business owner, you know what it takes to be successful.
So, you want to protect your business today while making sure you plan for retirement and maybe even leave a legacy.

But what happens if your plans get interrupted and you can’t continue running your business because of a health issue?

Running a successful business means dealing with tough issues – and preparing for the unexpected is one of them. Insurance is one way to help make the most of what you leave behind. You can use key person insurance in a number of ways.

Help protect your business with insurance

Here are some options you can consider as part of your financial plan. The right insurance coverage can help you:
  • Protect your business, if you, or a key employee is suddenly unable to work
  • Pay off business loans
  • Provide you or your business partner with money to buy the other person’s share of the business, if one of you is leaving
  • Cover expenses for you or your family if one of you is leaving

Ensure you have a smooth exit strategy

You may want to retire and pass on your business. That’s why it’s important to have a plan in place to help with a smooth transition.
Have you thought about your options?

Leave a legacy for those you care about
  • It’s important to think about what will happen to your money and your family in the future:
  • Do you have a plan in place to help take care of loved ones?
  • Are you growing your wealth in a tax-efficient way?
  • What about your estate? Will it be easy to split it fairly between family members?

Plan to see the whole picture
You’ve worked hard to grow your business and make it a success, that’s why protecting it is important.

Source(文章来源): https://www.canadalife.com/blog/business-solutions

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