Employee Benefits

Health Plans

on & off exchange, with or without subsidy
Employee Benefits

Short Term Health

for times of transition, limited benefitsEmployee Benefits

Travel Health Plans

when traveling abroad, don’t go without coverageEmployee Benefits

Supplemental Plans

Dental & Vision Plans, Hospital/Doctor Indemnity Plans, Accident, Critical Illness, Telehealth, RX Discount Plans – pays benefits in addition to your regular health insuranceEmployee Benefits

Employee Beneits

Key Person Benefits, & Key Life Insurance in Iowa
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Key Person Benefits

Key people in business meeting who are protected with key person benefits.

Key Person Benefits Protect Your Valuable Key Employees & Your Business

Key personnel who suffer an illness or injury can lead to an additional strain on the owner of a business.  Thus, business may experience loss of sales and competitive edge, loss of confidence of suppliers, and expend a large amount of money and time to find a replacement.  Accordingly, key person benefits can protect from this type of loss.  Additionally, because typical group insurance only covers a fraction of a key executive’s high income, most high-salaried executives are not adequately protected through regular group insurance.  However, with key person benefits, such as key-person life insurance, you’ll be able to protect your business.  And, you also be able to adequately protect key people and their families from loss.


Our focus is on providing a great customer experience for you and your employees:

    • As an independent agent, we provide an unbiased approach in helping you develop a well-conceived benefit program that includes key-person insurance.
    • We work with more than 20 well- known specialty carriers to offer options for your unique risk.
    • And more.
Following are examples of the types of key person insurance we offer.

Key Person Life Insurance

Key Person Life Insurance protects your business if one of the main partners passes away unexpectedly, and helps to minimize financial loss.  Accordingly, your business is typically responsible for the premiums, as it is also the beneficiary. The value of your business (as established through financial records) will help to determine the benefit level and premium amounts.

Business Overhead Disability

A Business Overhead Disability policy prevents businesses from going under from regular overhead expenses while the business owner is unable to work and run the business due to disability. Accordingly, these types of policies will typically pay for things like employee salaries, rent and utilities, among other expenses.

Buy-Sell Agreements

Buy-Sell Agreements protect a business after the death of a key employee. Accordingly, these are also known as Continuation Agreements and are tied to and funded by life insurance policies.  Thus, the agreement sets out the details of the transfer of business interest by the key-person (or his/her estate) upon a certain triggering event–usually death, disability and retirement. So then, the surviving or continuing business owner or partner can rest assured knowing that they will be able to purchase the key-person share without interference from other survivors of the key person and his/her estate.

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