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Group Life Plans

If you have at least ten employees, buy them at least a $25,000 term life policy. Long term this will not be the best coverage for them, but many people do not take the time to get coverage. At least their burial will be covered.

To build on that plan, you could offer individual plans on a payroll deduction. Ideally, term policies to get up to the right amount of coverage. For the executives, they should be looking at larger universal life policies with long term care riders. Long term care insurance policies are on the outs. Fixed life insurance with indemnity ltc riders is the way to go.

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