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In today's competitive environment, businesses face many challenges. One of these challenges is how to retain, motivate and reward the people that have been instrumental in its success. Interestingly, a salary increase isn't always the best way to compensate key employees.

Many businesses use non-qualified* executive benefits plans to provide competitive benefits to key employees. Because of its design, and the tax deferred status of its accumulating cash value, permanent life insurance often is used by business owners to help fund non-qualified executive benefits plans.

* Not subject to rules governing qualified pension and profit-sharing plans.

split dollar plans
A split dollar insurance plan offered to key people can provide substantial life insurance benefits to the employer and employee.
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non-qualified deferred compensation plans
Non-qualified Deferred Compensation plans allow a business the opportunity to offer benefits, over-and-above qualified plan benefits, as a way to reward a select group of key employees.
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executive bonus plans
Consider a compensation strategy that builds loyalty by helping your executives enhance their life insurance protection while accumulating supplemental income for retirement.
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group term carve-out
A Group Term Carve-Out plan provides permanent life insurance protection for your key employees.
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buy-sell agreements
Whether you pass the control of the business to a new generation or to a co-owner or key employee, an effective succession plan can ensure the smooth transfer of your business at retirement, death or disability.
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The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. MassMutual, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.
Policy withdrawals are not subject to taxation up to the amount paid into the policy (your cost basis). If the policy is a Modified Endowment Contract, policy loans and or withdrawals will be taxable to the extent of gain and are subject to a 10% tax penalty. Access to cash values through borrowing, partial surrenders or withdrawals can reduce the policy’s cash value and death benefit, increase the chance the policy will lapse and may result in a tax liability.
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#050135-000 06/06
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