Fast Forward - AP14/26 - Critical Illness for Business Owners

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Critical illness is often viewed as a personal risk. But for a business owner, it introduces a different dynamic. If the owner is unable to lead, even temporarily, the business must still operate, meet obligations, and maintain continuity. In this discussion, we explore a hybrid structure where both the business and the owner contribute, allowing capital to flow into the business during a disruption. At the same time, if the coverage is never used, the structure creates a way for all premiums paid - including the portion funded by the business to flow back to the owner, often on a tax-free basis. The conversation moves beyond protection to a more precise idea: How to structure capital so it supports the business in disruption and returns back to the owner if it’s never needed.