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Business Continuation II

Closely Held Corporations:
Corporate Buy Sell Agreements
A prearranged agreement to retire a stockholder's interest following death is vital for the surviving stockholders of a closely held corporation.

Some of the problems are:
The stockholders of a closely held corporation are also the officers of the corporation
Earnings to the stockholders are usually paid in salaries.
There usually is no available market for the stock. We have a highly trained and licensed professional staff. 


Options to the surviving stockholders are:
Accept an adult heir of the deceased into the actual management of the firm. An adult heir would normally contribute little to the management of the business and might well be a constant source of disruption in its operation

Pay dividends, approximately equivalent to the salary of the deceased stockholder, to the heir or heirs without any participation in management on their part. Survivors would have the burdens of management but would be sharing the their profits equally with heirs who are contributing nothing but capital to the business.

Accept into active management of the firm outside interests to whom the stock of the deceased may have been sold. Associates in a closely held corporation join forces because they work well together and each has a certain contribution that, taken together, produces profitable corporation. In many cases, the outsiders may well not be acceptable and lead to a disruption of the business or, in extreme cases, even to liquidation of the firm. If the outsiders' stock constitutes a majority interest, the survivors would be at the mercy of the new owners, who would control such matters as salary scales and dividend policy

Purchase the stock from the estate of the deceased. The final alternative may not be practicable because the survivors may not be able to raise the cash, agreement to a fair price may not be possible, or the heirs may refuse to sell.

From the heirs' viewpoint
They face the possibility of having to dispose of the stock at a sacrifice price either to the surviving stockholders or to outsiders, neither of who would normally be inclined to offer a reasonable price. They face the threat of receiving no dividends if they decide to retain the stock.

NEXT> The Conclusion- Life insurance is the best means of financing a business transfer 


We have a highly trained and licensed professional staff.  We specialize in all aspects of this discipline. Included are, Term, Universal, and Permanent Policies, as well as Final Expense. We guide our clients on issues involving Personal Family Protection, Estate Planning and Estate Conservation, Business Planning to include, Buy Sell Agreements, Deferred Compensation, and Executive Compensation. We offer spreadsheets for Term Life Insurance Quotes from Top Rated Companies. We help you decide what type of policy is best for your goals and objectives. Companies offer 5, 10, 15, 20, 25 or 30 year policies that can include a return of premium plan options. Some plans offer no exam underwriting for your convenience. We provide consumers with helpful information, find the right life companies, and gives them the opportunity to receive free instant quotes.

The content contained on this insurance website is for informational purposes only. It is intended for consumers who are shopping and wanting to learn more. We do not endorse any particular carriers. We work for you and simply provide factual insurance information. We let you decide if you want to speak with a professional agent to help with your needs. Premium rates displayed on this website are for informational purposes only. Actual rates are based on many factors one of which is the applicants health.

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Lewis Fink is licensed as a term life agent offering term life quotes in the following states: Term life quotes for:
Alabama - AL,  Arkansas - AR,  California - CA Colorado - CO Connecticut - CT Delaware - DE District of Columbia - DC,  Florida - FL, Georgia - GA Idaho - ID Illinois - IL Indiana - IN Iowa - IA Kansas - KS Kentucky - KY Term quotes for: Louisiana - LA,  Maine - ME Maryland - MD Massachusetts - MA,  Michigan - MI Mississippi - MS Missouri - MO,  Montana - MT Nebraska - NE New Mexico - NM, New Jersey - NJ New York - NY,  North Carolina - NCTerm quotes for: North Dakota - ND,  Ohio - OH Oklahoma - OK Pennsylvania - PA, Rhode Island - RI South Carolina - SC,  South Dakota - SD,  Tennessee - TN Term quotes for: Texas - TX,  Utah - UT Vermont - VT Virginia - VA, and Wisconsin - WI.  

We offer term quotes for 5, 10, 15, 20, 25, and 30 year term periods. Our universal life products can be quoted to cover a term of up to age 120. Not all term product quotes from all term companies quoted are available in all states.

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