APB Financial Architect Independent Insurance Specialist Book Free Diagnostic
Tech Founders & Startup Executives · New York

You have RSUs, options, and a cap table. What happens to all of it if you're gone?

Tech founder life insurance requires different structuring than a standard policy. Get it right with a free 30-minute diagnostic.

The gap nobody talks about

Standard life insurance doesn't account for how tech founders actually get paid

Base salary is the smallest part of a tech founder's total compensation. Vesting equity, bonuses, carried interest, and company ownership complicate the picture — and most life insurance advisors don't know how to model any of it.

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Your unvested equity has real value that dies with you

Unvested RSUs and options expire on death in most company agreements. If you haven't thought about how to provide for dependents in the absence of that expected income, your life insurance needs to fill that specific gap.

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A co-founder death triggers a liquidity event — without the right plan

Your equity passes to your estate. Your estate may want cash. That creates pressure on the company at exactly the wrong time. A funded buy-sell combined with personal life insurance separates the personal and company risk.

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High income = high replacement cost, and your group plan is capped

Group life insurance is typically capped at $500k–$1M. For a founder earning $300k+ with significant equity upside, that's a fraction of the real replacement cost. Individual policies can be structured to fill the gap.

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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Life insurance structured around the actual compensation profile of a NYC tech executive — base, equity, and business value. Multiple carrier options with policies designed for high-income professionals.
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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

What NYC tech founders ask about life insurance

Yes — but with care. Unvested equity has a present value that's uncertain and often overstated. A conservative approach values the equity at current fair market value, not projected exit value. We model a realistic range in the Financial Resilience Diagnostic.
Yes. Certain permanent life insurance structures — including executive bonus plans and split-dollar arrangements — can serve as both benefit and retention tool for key executives. This is worth exploring if you're building a compensation package for C-suite talent.
Life insurance passes outside of probate when properly beneficiary-designated. It can fund estate taxes, equalize inheritances, or provide liquidity. For founders with illiquid company equity, life insurance is often the most practical way to give heirs access to cash.
A combination of term (maximum coverage per dollar now) and a starting permanent policy (to build cash value over time) is common for founders in their 30s. The term covers the near-term risk while the permanent policy grows alongside the company. We model this in the diagnostic.
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.