Safeguard your business.

Business owners use insurance for many purposes, ranging from asset protection and succession planning to tax planning and wealth transfer. We can help you identify your needs and determine how insurance may fit into your overall business strategy.

Talk with a Wealth Management professional about your business insurance needs.

Business planning

As you plan ahead to transfer or sell your business, our team of experienced advisors can serve as your strategic partner.

Business Owner Advisory Services

Succession planning

You need a succession plan to ensure that your business continues successfully, especially if an owner or key employee dies. “Key employee insurance” provides cash to the business which can be used by the surviving business owners to maintain the business after the loss of a critical employee. Insurance can also be used to fund a buy/sell agreement. Policy proceeds can provide the necessary cash for a partner, employees or children to buy all or part of the business.

Tax planning

There are typically no federal income taxes on insurance policy proceeds. You might also bypass probate. When you structure your insurance plan properly, you may receive proceeds free from estate taxes.

Another potential benefit of an insurance policy is that the cash value builds on a tax-deferred basis. No taxes are due as long as the insurance policy remains in force.

Wealth transfer

If you transition your business to your children, a partner or another party, an estate plan can help ensure that your assets are distributed as you wish. Many plans include one or more types of trusts, each of which fulfills a specific need. Revocable trusts allow you to retain control of your assets during your lifetime. You can change this type of trust at any time. You can also create irrevocable trusts for a wide variety of objectives. These trusts generally can't be changed after they are established.

Learn about types of trusts

Talk with a Wealth Management professional about your business insurance needs.

Find an advisor

Insurance topics

Insurance overview Life insurance
Long-term care insurance Disability insurance

Insights from our experts

Insurance protection

Protect what matters with life, disability, and long-term care insurance through U.S. Bancorp Investments’ personalized insurance strategies.

Read overview

Preparing your business exit strategy: Key factors to consider

Selling your business can require a significant commitment of time and effort on your part. A business exit strategy can help guide the process on your terms.

Read article

Why insurance should be part of your financial plan

Just like your financial goals, insurance policies are as unique as you.

Read article

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Disclosures

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Investment and insurance products and services including annuities are:
Not a deposit • Not FDIC insured • May lose value • Not bank guaranteed • Not insured by any federal government agency.

U.S. Wealth Management – U.S. Bancorp Investments is a marketing logo for U.S. Bancorp Investments.

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Investment and insurance products and services including annuities are available through U.S. Bancorp Investments, the marketing name for U.S. Bancorp Investments, Inc., member FINRA and SIPC, an investment adviser and a brokerage subsidiary of U.S. Bancorp and affiliate of U.S. Bank.

U.S. Bancorp Investments and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.

U.S. Bancorp Investments is registered with the Securities and Exchange Commission as both a broker-dealer and an investment adviser. To understand how brokerage and investment advisory services and fees differ, the Client Relationship Summary and Regulation Best Interest Disclosure are available for you to review.

Insurance products are available through various affiliated non-bank insurance agencies, which are U.S. Bancorp subsidiaries. Products may not be available in all states. CA Insurance License #0E24641.

Pursuant to the Securities Exchange Act of 1934, U.S. Bancorp Investments must provide clients with certain financial information. The U.S. Bancorp Investments Statement of Financial Condition is available for you to review, print and download.

The Financial Industry Regulatory Authority (FINRA) Rule 2267 provides for BrokerCheck to allow investors to learn about the professional background, business practices, and conduct of FINRA member firms or their brokers. To request such information, contact FINRA toll-free at 1-800‐289‐9999 or via https://brokercheck.finra.org. An investor brochure describing BrokerCheck is also available through FINRA.

The information provided represents the opinion of U.S. Bancorp Investments and is not intended to be a forecast of future events or guarantee of future results. It is not intended to provide specific investment advice and should not be construed as an offering of securities or recommendation to invest. Not for use as a primary basis of investment decisions. Not to be construed to meet the needs of any particular investor. Not a representation or solicitation or an offer to sell/buy any security. Investors should consult with their investment professional for advice concerning their particular situation.

U.S. Bancorp Investments Order Processing Information.

Municipal Securities Education and Protection– U.S. Bancorp Investments is registered with the U.S. Securities and Exchange Commission and the Municipal Securities Rulemaking Board (MSRB). An investor brochure that describes the protections that may be provided to you by the MSRB rules and how to file a complaint with an appropriate regulatory authority is available to you on the MSRB website at www.msrb.org.

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Business Owner Advisory Services are provided for educational and illustrative purposes only, and do not guarantee the success of any strategy or recommendation. Business Owner Advisory Services are not fiduciary in nature. U.S. Bank and U.S. Bancorp Investments serve in a non-fiduciary role when providing these services.