Life Insurance and Annuities

As a business owner, you understand the importance but also the challenge of retaining your top employees. Perhaps you’re already offering benefits like health insurance and a 401K, but you’re wondering what more you can provide to reward your most valued workers. UBOS helps businesses solve for employee retention by creating truly unique employee benefits that leverage a combination of life insurance and supplemental retirement savings.

Such solutions come in a wide assortment of options, including supplemental executive retirement plans, aka SERP, and deferred compensation plans that allow employees to defer their salary and bonuses on a pretax basis until retirement. Companies can also select specific employees to create executive bonus plans in the form of paid life insurance policies. Lastly, you might want to consider an insurance-based business succession plan. In the event of retirement, death or disability of a key business owner or partner, a succession plan ensures an orderly transition of the company’s ownership and management. Whatever the need may be, our advisors will guide you in selecting the right set of benefits to provide added retirement income and death benefit protection for not just your employees, but also your business.