WebPrez Video Library Guide: Business Life Insurance

About This Category

The Business Life Insurance category contains videos designed for business owners, executives, partners, and entrepreneurs of all sizes. These videos address protecting business value, funding succession plans, creating executive benefits, leveraging business equity for personal retirement income, and smart financing strategies. This is one of the highest-revenue-potential categories in the library — business owners tend to have larger transactions and more complex planning needs.

To access: log in → click Videos in the left navigation → click the Business Life Insurance filter tab.

Videos in This Category

Business Life Insurance

Advisor description: Show this to business owners of any size — explains how they can protect their profitability and market value against the loss of their best people.

Client-facing title: Protect Your Business Profitability & Market Value

Use this when: Opening a business life insurance conversation with any business owner. This overview covers five core business risk scenarios and works as a first-touch for owners who haven't considered insuring their key people.

Key Person

Advisor description: Show this video to any business owner who needs to protect the profitability and value of their business by insuring the people who are indispensable to their company.

Client-facing title: Business Protection: Key Person Insurance

Use this when: A business owner has one or more employees whose death or disability would significantly impact revenue, operations, or client relationships. Especially effective with closely held companies where a single person drives disproportionate value.

Buy/Sell Funding

Advisor description: Show this video to business partners (including Sub S corps) — explains the need for a business valuation formula, a buy/sell agreement, and the insurance to fund its provisions.

Client-facing title: Funding Your Buy/Sell Agreement

Use this when: A business has two or more owners and no funded buy/sell agreement. This gap is extremely common and the consequences of leaving it unaddressed are severe.

Business Buyer Insurance

Advisor description: Show this video to business owners or partners — explains the use of permanent life insurance on the owner(s) to be included in the purchase price of the business, in order to make the purchase most amenable to the buyer.

Client-facing title: Get Top Dollar for Your Business with a Buyer Guarantee

Use this when: A business owner is planning to sell their business at retirement and wants to maximize the sale price, or wants to make the business more attractive to potential buyers.

Business Succession

Advisor description: Show this video to business owners of privately held corporations to engage them in planning for an exit strategy and business succession.

Client-facing title: Business Succession Planning

Use this when: A business owner is thinking about retirement, wants to pass the business to a family member, or hasn't formally addressed what happens to the business when they step away.

Business Tax Strategy

Advisor description: Show this video to any business owner — offers a comprehensive strategy to reduce taxation using various insurance and benefit plans.

Client-facing title: Your Business Tax Strategy

Use this when: A business owner is profitable but feels like they're paying too much in taxes, or has a CPA focused only on compliance — not forward-looking tax reduction strategies.

Business Equity Transfer

Advisor description: Show this video to business owners or professionals — explains how they can leverage their business equity to provide tax-free income at retirement with premium-financed IUL.

Client-facing title: Convert Business Equity into Tax Free Retirement

Use this when: A business owner has $1M+ in equity and no personal retirement plan funded separately from the business.

Business Equity Banking

Advisor description: Show this video to any business owner — presents the Infinite Banking concept to replace a business line of credit with surplus earnings and fund exclusive retirement benefits for the owner or partners.

Client-facing title: Tax Free Retirement Business Line of Credit

Use this when: A profitable business owner regularly uses a line of credit and is open to redirecting the interest they currently pay to a bank toward a self-funded retirement and wealth-building asset.

Deferred Compensation (SERP)

Advisor description: Show this video to incorporated business owners — explains basic deferred compensation as a Supplemental Executive Retirement Plan, a sort of "golden handcuffs" for key people.

Client-facing title: Supplemental Executive Retirement Plan

Use this when: A business owner wants to recruit, reward, or retain top-level executives or key employees with a non-qualified, selective benefit plan.

Executive Bonus

Advisor description: Show this video to incorporated small business owners — explains IRC section 162, and the use of corporate dollars to fund their own private retirement plan with tax-free income.

Client-facing title: Executive Bonus Retirement Plan

Use this when: A corporate owner or executive wants to use tax-deductible corporate dollars to fund a personally-owned, tax-free retirement plan — without including employees or triggering ERISA compliance.

Insurance Financing

Advisor description: Show this video to anyone with the need for a large amount of life insurance — explains how they can finance the cost of insurance with little or no cash outlay.

Client-facing title: How to Finance the Cost of Business Life Insurance

Use this when: A high-net-worth business owner or estate planning client needs a large life insurance policy but doesn't want to divert cash from income-generating assets to pay premiums.

412(e)(3) Pension Plan

Advisor description: Show this video to small business owners over age 50 with no more than five employees — explains a way to fund a discriminatory benefit with huge tax deductions using only annuities.

Client-facing title: The "Late Start" Maximum Deduction Pension Plan

Use this when: A small business owner in their 50s or 60s is profitable, has fewer than five employees, and feels behind on retirement savings — especially if they've never been able to contribute large amounts to a retirement plan.

Frequently Asked Questions

Q: How do I find these videos in my dashboard?

Click Videos in the left-hand menu, then click Business Life Insurance in the filter tabs. Or use the Search bar to find it directly.

Q: What's the best first video to send a new business owner prospect?

Start with Business Life Insurance — it's the overview and frames all five major protection needs. Then follow up with a more specific video based on which risk resonates most from the first conversation.

Q: What's the difference between Deferred Compensation (SERP) and Executive Bonus?

Both are selective executive benefit strategies, but they work differently. SERP is a deferred compensation agreement — the executive earns the benefit at retirement (a future promise, not immediate ownership). Executive Bonus gives the executive ownership of a life insurance policy today, funded by a tax-deductible bonus from the corporation. The executive owns the policy and controls the cash value now.

Q: When should I use Insurance Financing vs. Business Equity Transfer?

Insurance Financing is for clients who need a large amount of life insurance (often for estate planning or business protection) and want to fund it without liquidating assets. Business Equity Transfer specifically uses business equity as collateral to fund a retirement insurance contract — it's a retirement planning strategy, not primarily a protection strategy.

Q: Who is Executive Bonus best suited for?

Corporate owners and executives with C-corps or S-corps who want to fund their personal retirement using tax-deductible corporate dollars — selectively, without including all employees or navigating ERISA. It's especially powerful for solo owners or small founding teams.

Updated on: 04/23/2026