Business Continuity Planning
Continuity isn’t a single policy—it’s a sequence of good decisions backed by data, aligned to your values, and implemented with clear timelines. This lane focuses on insurance-backed protection for owners: foundational coverage, key-person and buy-sell architecture, and the Silver Wave transition context when succession pressure is real.
Education and implementation coordination. Where legal or tax drafting is required, we work alongside your attorney and CPA—not instead of them.
Who this is for
New business owners building continuity foundations: baseline protection while you formalize the longer-term plan.
Established businesses filling gaps: key-person exposure, partner alignment, or buy-sell funding that finally matches how the company actually runs.
Silver Wave & succession pressure: when owners are weighing exit, transfer, or continuity over a multi-year horizon, insurance is often the bridge between intent and funded reality.
Capital allocation and sequencing still live under Capital & Risk Strategy —this page is where implementation timelines, applications, and insurance resources are centralized.
Start here
Resources & applications
Educate → estimate → apply. Same tools we use to align coverage with the business and the plan.
Life insurance application
Start the application flow when you’re ready to move from design to underwriting.
Open application →Protection calculator hub
Single-life, joint, business-owner, and advanced needs—with clear assumptions.
Run numbers →Business continuity worksheet
Surface gaps before you fund them—operations, people, and continuity checklist.
Open worksheet →Estate tax calculator
Illustrative estate liquidity framing when legacy and tax are part of the story.
Use calculator →Deep dives (articles)
Insurance implementation: what to expect
Typical ranges—underwriting, medical requirements, attorney drafts, and case complexity can extend timelines.
~1 week (often)
Foundational coverage (term-first bridge)
Basic death-benefit protection while a fuller plan is built—common when you need something in force fast.
- Intake and risk snapshot (goals, amounts, health context)
- Carrier pre-screen and quote comparison
- Application and underwriting submission
- Policy issue and baseline owner/beneficiary alignment
~1–3 weeks (typical range)
Permanent structures (universal / whole life)
More moving parts: design, illustrations, and underwriting depth—timing varies by structure and carrier.
- Strategy design (objectives, funding, ownership)
- Illustration review and iteration with the carrier
- Application, underwriting, and any requirements
- Placement and implementation checklist
~2–3+ weeks (often longer)
Buy-sell funding
Insurance can move faster than the agreement package—attorneys and planners often draft or update buy-sell language in parallel.
- Entity and owner discovery; valuation inputs
- Agreement coordination with counsel (trigger, price, process)
- Funding method selection and policy alignment to the deal
- Execution package and funded implementation
Often faster than buy-sell
Executive benefits & compensation-linked coverage
Selective benefits for key employees—usually fewer cross-party legal dependencies than a full buy-sell refresh.
- Align employer and employee objectives
- Choose plan structure (e.g., bonus, split-dollar, endorsement)
- Policy setup and documentation
- Rollout and periodic review
Not legal or tax advice. Timelines are illustrative; your situation may differ.
Insurance implementation models
Transparent planning fees for the architecture. Commissions for the products.
Professional
- • 60 min total (e.g. 2 × 30-min sessions)
- • Personal income protection design
- • Basic life insurance illustrations
- • Underwriting advocacy
Founder
- • 2 hours of planning time
- • Key Person & Buy-Sell architecture
- • Bank-compliance underwriting
- • Funding strategies
Business Owner
- • 4+ hours (as needed or per custom)
- • Multi-partner buy-sell
- • Estate equalization
- • Executive retention plans
- • Tough underwriting cases
Not sure which level you need? Start with a triage call.
Book Strategy Triage (10 min)Producer Compensation Disclosure
Your Insurance Producer's Role: I, Daniel Speiss, am acting as your insurance producer (agent/broker) in this transaction. My role is to assist you in evaluating your insurance needs and to help you select appropriate insurance products that meet those needs.
Compensation: I will receive compensation from the insurance company or other third parties based, in whole or in part, on the sale of insurance products to you. This compensation may include commissions, bonuses, expense allowances, or other forms of remuneration.
Compensation May Vary: The compensation I receive may vary depending on a number of factors, including but not limited to:
- The specific insurance product you select
- The insurance company that issues the policy
- The volume of business I provide to the insurer
- The profitability of the insurance products I sell to the insurer
- Other factors as determined by the insurer
Request Additional Information: You have the right to request detailed information about the compensation I expect to receive based on the sale of insurance products to you, as well as compensation I would receive for any alternative quotes I present to you. To request this information, please contact me directly or visit our detailed compensation disclosure page.
Notice: This disclosure is provided in accordance with New York Insurance Department Regulation 194. This disclosure applies to all insurance sales, including sales to residents of New York and sales of insurance products that will be delivered in New York.
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