Broker Check

515 Houston Street
Suite 651
Fort Worth, TX 76102


Derek J. Moffatt, AWMA

(682) 747-0134


Insurance Plans

Most businesses utilize a range of insurance products. Yet many fail to take advantage of the wide variety available to assist with business planning. Following are a few of the most common insurance products used for that purpose. As with retirement plans, we offer additional insurance services, and your financial consultant can create a comprehensive plan that suits your unique needs.   SUCCESSION PLAN   When a business owner retires or becomes unable to work, the future of a business and its employees can come into question. Succession planning arrangements help ensure a smooth transition between current and new business ownership.  

Buy/Sell Agreements

A pre-determined plan to sell a business in the event that the owner retires, becomes disabled or passes away. Buy/sell agreements provide the company with financial protection and ensure the continuation of business, despite the absence of an owner. The plan is usually funded through life insurance and provides immediate cash upon the death of an owner. The agreement also helps to establish a fair selling price and maintain the long-term financial objectives of the company.  

Disability Insurance

When you lose the ability to work and earn an income, lost wages could result in the need to utilize investments, savings or retirement assets to fund living expenses. For business owners, the stakes are raised because their presence may be crucial to the company’s ability to operate. Disability insurance protects business and personal assets, providing comfort that all you worked so hard to build cannot be easily erased.

Key Person Insurance

Protect businesses from the adverse effects of losing important personnel—specifically employees with a particular expertise or who have earned credibility with customers, vendors or creditors. At death, the life insurance policy provides funds to help recruit and train new staff, help replace lost profits and strengthen the company’s balance sheet to help assure creditors and suppliers about continuity in the firm.

Deferred Compensation

Another tool employers can use to attract, retain and reward key employees is non-qualified deferred compensation, an employer-provided plan that can be offered to a select group of executives or employees. Simply stated, the employer and employee enter into an agreement utilizing insurance to defer a portion of the employee’s income until a future date.

Additional Business Planning Tools: 

  • Non-qualified retirement plans
  • Group long-term care
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