Stern, Kory, Sreden & Morgan, AAC
Business life insurance needs

As a small-business owner, you're working hard to make your business successful. Life insurance can help by providing the cash needed to sustain your business, your family, or your employees when tragedy strikes. It can also be used to fund incentive plans and buy-sell agreements.

When you finish answering the following questions, you'll receive some suggestions on the role that life insurance can play in your business. But remember that your need for life insurance depends on a lot of variables that can't be factored into a general discussion. For specific information tailored to your business, talk to your insurance agent or broker.

1. Is income from your business the main source of support for you and your family?
2. If you were to die, what would most likely happen to your business?
3. Are you looking for ways to attract and retain employees?
4. Do you have any employees whom you consider critical to the success of your business?
5. Are you concerned that executives or other key employees will be lured away by the competition?
6. Do you intend to borrow money for your business?

Prepared by Broadridge Investor Communication Solutions, Inc, Copyright 2011