“What happens to my business and my family if I’m gone?”
Pacific Select Harbor VUL offers protection that lasts as long as you need it. A review looks at your family and your business together, with the costs, risks and other options explained.
It may be worth exploring if you:
Another approach may fit better if you:
A review covers those other options too. Any recommendation comes only after an individual suitability review.
A death benefit designed to last your lifetime, generally paid to your beneficiaries income-tax-free.1
What to know: Coverage continues while the policy stays in force.
If you own a business, your family and your business may both depend on you. Pacific Select Harbor VUL is designed to provide a death benefit for your lifetime, while the policy stays in force. You can protect your family, your estate or your business.
Many owners also ask how a buy-sell agreement could be funded, or whether key-person coverage makes sense. A review treats these as questions to explore with your attorney and CPA. Markist does not give tax or legal advice.
Pacific Select Harbor VUL works three ways: protection, long-term growth potential and living benefits. See all three →
Two partners own a small company. Each wonders what would happen to the business, and to their own family, if one of them died.
In a review, they talk through how a buy-sell agreement could be funded, whether key-person coverage makes sense, and how their personal protection fits alongside it. Their attorney and CPA set up any agreement. The review looks at whether life insurance is the right way to fund it, what it would cost and what the alternatives are.
This example is fictional and for illustration only. It is not a real client and shows no policy values, premiums or results. Your situation, and any recommendation, would be reviewed individually.
See it with your own numbers. Premiums depend on your age, health and the amount of coverage, so this page shows no prices. Your personalized illustration, prepared in a consultation, shows them. Request a consultation →
A VUL policy is a variable product. The current prospectus describes the policy's features, charges, investment options and risks in full. Ask Markist for the current prospectus and review it carefully.
A review compares these with Pacific Select Harbor VUL, so you can choose what fits.
Often costs less at first and covers a set period, such as the length of a loan. It builds no cash value and ends when the term ends.
Whole life and universal life policies also offer lifelong protection, with different costs, guarantees and ways of building cash value. A review can compare them.
Setting money aside inside the business avoids insurance charges, but it provides no death benefit if something happens early.
For a buy-sell agreement or any business arrangement, yes. Markist works alongside your attorney and CPA. He does not give tax or legal advice.
Yes. The workshop’s growth chapter covers business uses, such as executive bonus arrangements. Each comes with its costs and conditions.
No. Business arrangements involve the business, the owners and their advisors, and they are reviewed case by case in a consultation.
No. The consultation is free, and you are never obligated to buy. Any recommendation comes only after an individual suitability review.
A free 30-minute consultation, with the costs, risks and alternatives explained. Or watch the matching chapter of the free workshop first.