Business Planning
Capital should have a purpose
before it has a product.
Business-owned and owner-owned insurance is evaluated against cash flow, time horizon, existing reserves, financing alternatives, and ongoing premium capacity — not against a product preference.
What the design addresses
Six exposures owners tend to carry at once.
Liquidity
A long-term pool of policy value that may, when properly designed and funded, be accessible for company needs through withdrawals and policy loans.
Key people
Protection against the financial disruption caused by the loss of an owner, partner, or individual whose contribution is difficult to replace.
Continuity
Funding for buy-sell obligations, ownership transition, and the agreements that govern what happens next.
Obligations
Coverage sized to business debt, personal guarantees, leases, and other commitments that survive an owner.
Executive benefits
Concepts used to attract, retain, and reward key employees, coordinated with the company's advisers.
Estate equalization
Liquidity that may allow an operating interest to pass to one heir while others are treated equitably.
Before a design is proposed
The questions that come first.
- 01What is the company's sustainable free cash flow, and how stable is it?
- 02What reserves and financing alternatives already exist?
- 03Over what horizon would capital need to be accessible?
- 04Which people, agreements, and obligations create exposure today?
- 05What documentation and consent requirements apply to entity-owned coverage?
- 06How would the design behave if funding were interrupted for a year?
Business-owned life insurance involves ownership, beneficiary, notice, and consent requirements, and tax treatment depends on individual circumstances and current law. JASKOLA does not provide legal, tax, or accounting advice; these arrangements should be coordinated with the company’s attorney and CPA.
Bring the objective. We’ll bring the analysis.
The Business Planning Profile collects cash flow, ownership, continuity, and timing context so the first conversation begins with substance.