Protect the income your business depends on.
Your business and your family both depend on your income. We help you put life, health, and disability coverage in place that's grounded in your actual financial picture — not a generic sales script.
What's Included
- Life insurance for individuals and business owners
- Health insurance plan guidance and comparison
- Disability insurance to protect your income if you can't work
- Key-person coverage for business partners
- Plan comparison across multiple carriers
- Coverage reviews as your income or family situation changes
Advice grounded in your real numbers
We already know your income, dependents, and business structure — your coverage recommendation starts there.
We already know your finances
Because we handle your accounting and taxes, we understand your real income and obligations — so coverage recommendations are grounded in your actual numbers, not guesswork.
One relationship instead of several
Rather than a separate insurance broker who's never seen your tax return, you work with a team that already knows your full financial picture.
Especially important if you're self-employed
No employer safety net means disability and health coverage are decisions you have to make deliberately — we help you think through what you actually need.
Coverage that gets revisited, not set-and-forgotten
As your income, family, or business changes, we review whether your coverage still fits — not just at the point of sale.
From first call to filed and finished
Free Consultation
Tell us what's going on. A real advisor reviews your situation within one business day.
Custom Plan & Quote
We recommend the right services and give you a transparent price before any work begins.
Secure Onboarding
Upload documents through our secure client portal — no scattered email threads.
Ongoing Support
Your dedicated team files, tracks, and advises year-round — not just at tax time.
Frequently asked questions
Often, yes — without an employer safety net, a disability that stops you from working can stop your income entirely. It's worth a real conversation about your specific risk.
Certain premiums and structures have tax implications depending on how your business is set up — something we can walk through since we already handle your taxes.
Yes, we can help you evaluate group coverage options as your team grows.
We help you compare options across carriers and guide you toward what fits your situation — ask us directly about how a specific policy would be set up for you.
Generally, no — if you're self-employed and pay for your own individual disability policy, those premiums typically aren't tax-deductible. If a business funds disability coverage for employees, that's usually a deductible business expense, though owner premiums are still often excluded. We'll walk through how this applies to your specific structure.
Most individual disability policies replace up to about 80% of personal income, while business-expense coverage can go up to 100% of fixed monthly costs. The right number depends on your income, expenses, and how long your business could run without you — a risk most owners underestimate.
Related services worth a look
Most clients combine two or three of these — here's what tends to go together.
Accounting
Ongoing financial statements and advisory so you always know exactly where you stand.
Explore Accounting →Business Formation
LLC, S-Corp, or C-Corp — we handle entity selection, incorporation, and registered agent setup from day one.
Explore Business Formation →Payroll
Full-service payroll management — accurate paychecks, tax filings, and compliance, without the weekly headache.
Explore Payroll →Tax Preparation
Accurate, efficient federal and state filing for individuals and businesses — maximizing every credit you qualify for.
Explore Tax Preparation →Let's take this off your plate — for good.
Book a free, no-pressure consultation and get a clear next step within one business day.