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Be sure your insurance plans will keep your business covered.

As a business owner, you’ll want to ensure the legacy you’ve built is protected. By keeping your insurance plans up to date, you’ll be able to sustain your business, plus your income, no matter what changes come your way.


Big benefits don’t have to mean huge costs to your business. Employees can opt into their own paid benefit options that provide valuable financial protection at little or no cost to your company. 


You can invest in your employees with group disability, life, and accidental death and dismemberment protection. We’ll help you design a plan that fits the needs of your workforce—and your budget. 

Key Person Life Insurance

Key person life insurance reimburses the business for loss of services in the event of a death or buy-out.

Business Succession Or Buy-Sell Agreements 

It’s a good idea to plan for what will happen to your business, and who will run it, should anything happen to you. Insurance can be used to help cover these situations, which often involve shareholder buyouts.

Deferred Compensation

Deferred compensation allows you to pay a portion of an employee’s compensation at a future date, or defer a current raise for a potential tax break. Annuities can protect that money and distribute it when needed.

To see if your business insurance is adequate, ask yourself:

  • Are my employees protected with the right amount of income protection and life insurance coverage?
  • Are my key players covered, should something keep them from doing business down the line?
  • Do I have a team of professionals working to ensure my business is properly positioned and appropriately covered?

With the highest financial strength ratings currently awarded to any life insurer by the top four credit agencies*, New York Life offers business owners a variety of policies that enable you to:

  • Borrow against cash value for business expenses**
  • Ensure smooth transition of ownership
  • Supplement your retirement income as insurance needs decrease**



Through your agent, you can access the financial expertise of our Advanced Planning Group.

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Keep up the good work.

Building a business is a labor of love. Insuring your business is, too.

Key Person Insurance

Ease transitions and keep your business on solid fiscal ground with key person insurance protection, and an accessible nest egg for expenses.

Employee Benefits

Safeguard your employees, and their futures, with group and voluntary life insurance plans that protect them and their families.

Did you know you can borrow from your policy's cash value for business expenses?

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All business is big.

For every business, there are best practices. Let’s take a look at how you can help your business, whatever size, succeed in any event.

Plan for the Future

Keep your business secure with policies for key employees and buy-sell agreements to ease business transitions.

Protect Your Success

Learn how a buy-sell agreement can protect the business you and your partners have strived to build.

Insure Your Business

As a business owner, you want to protect your work. Here are some types of insurance a small business should consider.

Create a Community

Small business owners can benefit their communities. Here’s how to give back and gain loyalty.

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  • Individual independent rating agency commentary as of 8/9/16: A.M. Best (A++), Fitch (AAA), Moody’s Investors Service (Aaa), Standard & Poor’s (AA+).
  • When you access the cash value of a life insurance policy, it will reduce the cash value and death benefit. Loans also accrue interest.