Working capital
A reserve you can draw on for equipment, inventory, payroll timing or expansion — on your terms, without a new loan application.
For Business Owners
Build a Capital Reserve You Control.
Turn retained earnings into a reserve that stays accessible — for working capital, opportunities, continuity and legacy.
Opportunity reserves
Capital positioned to move when an acquisition, partner buyout or investment appears.
Continuity & legacy
Key-person protection, buy-sell funding and a long-term wealth-transfer plan coordinated with your advisors.
Why owners look at this
Cash in a business account earns little and often leaks into spending. Cash tied up in the business is hard to reach. A properly designed policy can serve as a middle ground: a reserve that builds over time, may be accessed through policy loans, and provides permanent protection for the people who depend on the business.
It works best alongside — not instead of — your operating accounts, retirement plans and investments.
Educational overview only. Whether a strategy is suitable — and how it should be designed — depends on your circumstances, health and underwriting, the carrier and product, and funding. Policy values, liquidity, costs and tax treatment vary; dividends are not guaranteed. Disclosures.