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Life & Disability


When a business counts on a leader, count on BMT Insurance Advisors

You can make all the plans you want, but life can throw you a curveball and you should be ready. While it’s impossible to know when the unexpected will happen, with BMT Insurance Advisors you can make sure you and your business are protected.

Key person Insurance: When a death or disability occurs, replacing a key person takes money and time. Key Person Life insurance offers a death benefit that can help cover financial losses that occur at the death of a key person. This helps assure continuity of the business for employees, customers and creditors. In addition, the death benefit from the policy can be used to recruit and develop a replacement for the previous key employee and the policy’s cash value may be available to the business through a withdrawal or loan if needed.

Long-term Care: When it comes to a permanent debilitating injury or illness and ongoing care will take a lifetime, long-term care insurance can be a tax-advantaged way to offer a benefit to your employees or protect yourself as a sole proprietor, partnership, S-Corp, or C-Corp. Working with an insurance provider who can bring other wealth professionals through BMT Wealth Management, you can help to ensure you and your employees are adequately prepared.

BMT Insurance Advisors are waiting to discuss life insurance and long-term care options for your situation.

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