Most business owners have never sat down and checked. Take the 2-minute Coverage Check and find out where you stand.
You've built something real. Payroll gets made. Clients get taken care of. Your family counts on what this business brings in every month.
But here's the question almost no one asks until it's too late: if you weren't here tomorrow, would any of that still hold together?
Not "probably." Not "I think so." Actually — would your family have income to fall back on? Would your business partner be able to buy out your share without draining the company? Would your team survive the loss of the one person nobody else can replace?
Three Questions, One Blind Spot
Working inside business owners' books every day, I see the same pattern over and over: the family piece usually gets some attention at some point. The partnership and key-person pieces almost never do — not because owners don't care, but because nobody ever put the question in front of them.
* Family Protection — Would your household keep its footing without your income?
* Partnership Protection — If you have a co-owner, is your buy-sell agreement actually funded, or just signed and filed away?
* Key Person Protection — Is the one employee your business can't run without actually insured?
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I'm your bookkeeper and CFO advisor first — I'm in your numbers, I know what your business actually generates, and I know what it would take to keep it standing without you. I'm also a licensed life and health insurance advisor, which means I can look at this from both sides: what your business can afford, and what it actually needs to protect.
This tool isn't a sales pitch. It's the same gut-check I'd want if I were in your seat — a fast, honest look at whether your coverage matches your reality.