Protection & Legacy

Key Person and BOE Coverage

Protect your business with Key Person Insurance and BOE coverage. Ensure continuity if a key executive becomes disabled or passes unexpectedly.

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OVERVIEW

Safeguard your business against unexpected loss

At Global Advisers, we provide strategic insurance solutions that help protect your business continuity in the event of a founder, executive, or key employee becoming disabled, passing away, or otherwise being unable to perform their role. Our approach integrates Key Person Insurance and Business Overhead Expense (BOE) coverage into a broader financial planโ€”so your business stays solvent, stable, and strong.

Built for Leadership Risk Management

Most small and midsize businesses rely heavily on a handful of individuals. If something happens to an owner, a partner, or a critical team member, the financial and operational impact can be severe. Thatโ€™s why Key Person and BOE policies are essentialโ€”not as standalone products, but as part of a well-structured business risk strategy.

We work with you to identify business-critical individuals and calculate the potential financial impact of losing them. From there, we design independent insurance solutions that help cover operating costs, pay down debt, preserve creditworthiness, and give you time to hire or transition new leadership without pressure or disruption.

Business Account Features

  • Key Person Life & Disability Coverage โ€“ Protect your business from financial loss due to the death or disability of a founder, partner, or essential employee.
  • Business Overhead Expense Coverage โ€“ Keep the lights on with coverage for payroll, rent, and other fixed expenses during a temporary leadership absence.
  • Ownership Contingency Planning โ€“ Structure buyout options or replacement plans to keep the business running in the event of a leadership void.
  • Independent Insurance Design โ€“ All policies are selected independentlyโ€”no proprietary products, commissions, or carrier influence.
  • Tax-Aware Structuring โ€“ We integrate policies with your broader estate, business, and tax planning for optimal cost and coverage efficiency.

Is It Right for You?

If your business would suffer materially from the loss of one person, this coverage is essential. Our advisory approach fits best if:

  • Youโ€™re a small or midsize business with a founder-led or partner-driven model.
  • Your company would lose revenue or clients if a key person couldnโ€™t perform their duties.
  • You want to ensure your business can meet expenses during a leadership disruption.
  • You need help choosing the right policy structure and coverage amounts.
  • You want unbiased adviceโ€”not a sales pitchโ€”to guide insurance decisions.

Key Benefits

Before disaster strikes, make sure your business has the financial foundation to weather it. Our approach combines independent insurance selection with strategic planning, giving you peace of mind and financial flexibility when you need it most.

  • Continuity Protection โ€“ Keep operations stable if a key person is lost.
  • Expense Coverage โ€“ BOE insurance pays your bills while you recover or recruit.
  • Independent Guidance โ€“ No sales targets or product biasโ€”just what works.
  • Smart Structuring โ€“ Integrate policies with your tax and estate planning.
  • Business Resilience โ€“ Gain breathing room when you need it most.

Fees & Expenses

Our insurance advisory services are fee-based and conflict-free. We do not receive commissions, share revenue with carriers, or sell proprietary products. Youโ€™ll receive a clearly quoted flat fee or advisory retainer depending on the scope of engagement. If you choose to implement insurance coverage through our platform, any commissions earned may offset your planning fee.

Protect what powers your business.

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