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Business Owners · Texas

Your best employee. The one the business can't function without. Are they insured?

Texas has a thriving small business sector and a competitive labor market. The person who makes your business run is also the person you can least afford to lose without a plan.

The gap nobody talks about

Three business continuity risks Texas companies face

Texas businesses grow fast. They also depend heavily on key individuals. When those individuals leave unexpectedly, companies without a continuity plan face serious financial consequences.

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Texas employee replacement costs average 50% to 200% of annual salary

SHRM estimates replacing an employee costs 50% to 200% of their annual salary. For a key executive earning $150,000, that's $75,000 to $300,000 in recruiting, training, and productivity loss. Key-person insurance funds that cost.

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Texas partnerships without buy-sell agreements are common

Many Texas LLCs are formed without a funded buy-sell agreement. That's fine until a partner dies. At that point, the business is in transition without a clear plan or the funds to execute one.

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Revenue tied to individual relationships is exposed

In Texas, many businesses are relationship-driven — particularly in oil and gas, real estate, and professional services. Revenue tied to one person's client relationships is exposed the moment that person is gone.

AB

Ayodele Peter Boglo — Independent Insurance Specialist

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.

21 years as Oracle
Principal Consultant
45 countries,
global experience
4 licensed states
(NY, NJ, MD, TX)
∞ independent market
access, no captive
Free · No obligation · 30 minutes

The Financial Resilience Diagnostic

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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Income protection gap analysis specific to your situation
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Key-person insurance and buy-sell funding for Texas businesses. Entity-owned and cross-purchase structures. Multiple carrier options licensed in Texas.
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Market comparison across multiple carriers — not just one
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Clear next step (or confirmation you're already covered)
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By submitting this form, you consent to being contacted by APB Financial Architect regarding insurance products and services. Your information is protected and will never be sold to third parties. APB Financial Architect is an independent insurance specialist licensed in New York (license #LA-1904166), New Jersey (license #3004017274), Maryland (license #3003689320), and Texas (license #3533820). Insurance products are not FDIC insured, not bank guaranteed, and may lose value. This page provides educational information only and does not constitute financial advice.

Common questions

Business insurance questions from Texas business owners

A common formula is 3 to 5 times the key person's annual salary, plus estimated revenue loss during the replacement period. For a key salesperson generating $500,000 in annual revenue, $500,000 to $1,000,000 is a reasonable range.
If you're the sole owner, you don't need a buy-sell. But you do need a plan for what happens to the business when you die. Life insurance funds can be used to wind down the business cleanly or facilitate a sale to a named successor.
Yes. Key-person coverage is often used for top sales professionals, technical experts, or operations leaders who are employees rather than owners. The business owns the policy and receives the benefit.
Most key-person policies can be placed in 3 to 6 weeks with standard underwriting. Simplified issue options can be faster. We'll identify the fastest path for your situation.
No. APB Financial Architect is an independent insurance specialist, not a registered investment advisor or financial planner. The services here cover insurance products: life insurance, disability income, annuities, and voluntary benefits. For investment advice or securities, you'd need to work with a licensed investment advisor or broker-dealer. Insurance products are not securities and do not involve investment advice.