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Products > Insurance > Disability > Buy-Sell Plus


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Understanding Buy-Sell Plus

What it is
Buy-Sell Plus is a great complement to a business buy-out agreement. It offers flexibility and choice in how to fund the purchase of a disabled owner’s share of the business.

Who it’s for
Buy-Sell Plus business buy-out coverage is ideal for owners of small, closely held businesses (generally two to five owners) who own at least 10% of the business and who work full-time for the business.

How it works
Buy-Sell Plus provides funding of a buy-sell agreement in case of disability of a business partner.  If one partner becomes disabled and can no longer work, Buy-Sell Plus helps them receive a fair payment for their share of the business. 

Issue ages
Occupation classes
Benefit periods
Elimination periods (days)
18 – 55 (age last)
4A, 3A, 2A
5 years
(can also be paid as a lump sum)
365, 735
Level to age 63

With Buy-Sell Plus, your clients can:

  • Be certain their premiums and coverage won’t change if their health changes
  • Have buy-out costs reimbursed based on the most preferred definition of total disability (based on own occupation definition for classes 4A and 3A)
  • Transfer coverage to a new business without medical evidence
  • Get up to $5,000 for legal and accounting fees incurred while executing the buy-sell agreement
  • Convert to an income replacement policy without medical evidence

Our team of insurance wholesalers are ready to deliver value through case support, revenue-producing ideas and advice.

Additional features

  • Purchase additional insurance without evidence of good health with the optional Future Income Option rider

Choice of reimbursement frequency:

  • Lump sum
  • Monthly for five years
  • Initial lump sum followed by monthly benefits

Note: Above features may be subject to terms and conditions

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