Buy-sell agreements · Indianapolis & all of Indiana
Who owns their
half tomorrow?
If your business partner passed away today, their share could pass to their spouse or children — leaving you with an unexpected co-owner. A funded buy-sell agreement makes sure it passes cleanly to you instead.
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Clean.
Ownership transfers to the right people — no disputes, no surprise co-owners.
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01 THE BASICS
Decide now, so
nobody fights later.
You and your partner built this together. But if one of you dies, their ownership stake becomes an asset their family inherits — and suddenly you could be in business with a grieving spouse who never wanted to be there.
A buy-sell agreement settles it in advance: it fixes the price and the process, and life insurance provides the cash. When a partner passes, the survivors have the funds to buy the share outright, at a number everyone already agreed to.
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A SIMPLE GUIDE
✓ A legal agreement that fixes the price and process for transferring an owner's share.
✓ Life insurance funds the buyout — the payout gives survivors cash to purchase the share.
✓ Prevents an unwanted co-owner or a forced sale — the family is paid, you keep control.
✓ We handle the insurance and coordinate with your attorney and CPA on the agreement.
02 WHO TO INSURE
Three parties, one
clean outcome.
A funded buy-sell turns the worst day into a settled
transaction instead of a legal fight.
The agreement
Your attorney drafts it, setting the buyout price and terms in advance — so nothing is left to argue over.
The rainmaker
Life insurance on each owner supplies the cash. No loans, no draining the business to make the purchase.
The specialist
When an owner passes, the family is paid the agreed price and the share moves to the surviving partners. Done.
03 GOOD TO KNOW
Questions, answered.
What Indiana business partners ask us
most about buy-sell funding.
01 What is a buy-sell agreement?
A legal agreement between business co-owners that sets what happens to an owner's share if they die, leave, or become disabled. It fixes the price and the process in advance, so ownership transfers without disputes.
02 How does life insurance fund it?
Each owner is insured, and when one passes away, the death benefit gives the surviving owners the cash to buy the deceased partner's share from their family at the agreed price. No scrambling for funds, no loans.
03 What happens without one?
The deceased partner's share often passes to their heirs — a spouse or child who may have no interest or experience in the business. You could end up with an unexpected co-owner, or a forced sale. A funded buy-sell prevents both.
04 What are the different structures?
In a cross-purchase agreement, the owners buy policies on each other. In an entity-purchase (or stock-redemption) agreement, the business owns the policies. The right structure depends on the number of owners and tax considerations — we help you and your advisors choose.
05 Do I need an attorney?
Key person insurance keeps the business stable after losing an essential person. A buy-sell agreement funds the transfer of a deceased owner's shares to the surviving partners. Many businesses need both.
More on buy-sell agreements →
06 How do I get started?
Fill out the form below or call 317-574-0497. We'll set up a free, no-pressure consultation with a local advisor who knows Indiana small business.
FROM THE BLOG
Owner reading,
worth five minutes.
BUYING SMART
Why a local Indianapolis broker is a smart move
The advice, guidance, and ongoing support matter as much as the premium.
BUYING SMART
Ten questions Hoosiers should ask first
What to know before choosing a policy — wherever in Indiana you call home.
PRICING
Why your age and health shape your rate
The two biggest factors behind your premium — and how to work with them.
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