Maryland businesses lose millions every year to unplanned key-person departures. Life insurance is the most efficient tool to fund a business continuation plan before you need it.
The gap nobody talks about
Maryland's professional services and government contracting sectors are built on key relationships and specific expertise. Losing those creates real business disruption — and real financial loss.
Many Maryland government contracts name specific key personnel. If that person dies or becomes disabled, the contract may be at risk. Key-person insurance funds the transition and demonstrates to clients that you've planned ahead.
Without a funded buy-sell agreement, your partner's ownership interest goes to their spouse or heirs. Those heirs have no obligation to sell and no expertise to contribute. The business is stuck.
If partners can't agree on what the business is worth at the time of death, litigation follows. A buy-sell agreement with a predetermined valuation method and a funded policy eliminates that conflict.
Former Oracle Principal Consultant. PhD researcher. Queens-based. I work with carriers across the full market — not captive to one company — so you get the right coverage at the right price.
A structured 30-minute conversation that shows you exactly where your financial exposure is — and what it would take to eliminate it. No sales pitch. No pressure. Just a clear picture of where you stand.
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