Key Person & Buy-Sell Protection for a Local Business

Cornerstone Contracting, a South Jersey construction firm, had two owners and zero plan for what happens if one of them couldn’t work. A single accident could have jeopardized the entire company — and both families depending on it.

We designed a buy-sell agreement funded with life insurance, ensuring that if either partner passed, the surviving owner could buy out the shares without draining cash flow. We layered in key person coverage to protect against losing their top project manager.

We also introduced disability protection for both partners, because for business owners the odds of a disabling event often outweigh the odds of an early death.

The result? A rock-solid continuity plan that keeps the business — and both families — standing strong. Confident planning for confident owners.