NON-QUALIFIED PLANS

Reward and retain your most valuable people with flexible, performance-driven benefits. Non-qualified plans complement traditional retirement plans, giving business owners the ability to selectively provide additional rewards for key employees and executives without the restrictions of qualified plans.

​

KEY PERSON PROTECTION
Protect your business from the financial impact of losing a key employee. Life insurance can help cover loan obligations, training costs, or business disruptions — keeping operations stable during critical transitions.

​

EXECUTIVE BONUS PLAN
A simple way to reward executives with long-term value. The company funds a life insurance policy for the employee, offering tax-deductible bonuses to the business and valuable benefits — such as tax-deferred growth and death benefit protection — to the employee.

​

SPLIT DOLLAR PLAN
Share the cost and benefit of a life insurance policy between the business and the key employee. This provides valuable protection and potential cash value while helping the company recover part or all of its contribution.

​

DEFERRED COMPENSATION
Offer select employees future benefits as part of a long-term retention strategy. The company can fund these arrangements with life insurance, allowing tax-deferred growth and tax-deductible benefit payouts when compensation is received.