Loyalty Alliance Insurance Business Solutions

Financial Services & Wealth Advisory


Whether you are a young company, a mature organization, or a private equity firm looking to invest, the Loyalty Alliance Insurance team can help you leverage your dollars to:

  • protect valuable corporate resources
  • minimize liability exposures
  • attract, reward and retain key personnel

Core business insurance solutions include:

Buy-sell and business transfer strategies for closely held companies

Transitions are inevitable. Is your company prepared?  For instance, do you have a plan to transition your business to the next generation of ownership today?  A formal agreement established by and between business owners, family members, key employees, or other third parties helps keep your business going in the event of the death, disability, or retirement of an owner.  Funding through the use of life and disability buy-out insurance can help reduce the financial strain on remaining owners. 

Key employee benefits

In today’s competitive environment for talent, do you have the resources in place to recruit, reward, retain, and retire the key employees whose performance most affects the success of your organization?  Key employee benefits can be the solution.  These plans can provide additional benefits and/or help your key employees make up for the benefits lost due to government restrictions placed on qualified retirement plans.  The result?  More engaged and loyal employees and a great recruiting tool, too.

Key person protection

In the event of a death, disability, or resignation of a key employee, would your business be as successful as it is today?  Key person insurance helps prepare the company for the unexpected by protecting the integrity, cash flow, and ongoing success of your business in the event of losing a key employee due to death, disability, or termination of employment.  Key person insurance also helps the business overcome additional expenses associated with recruiting and training a replacement and can be used to pay notes secured against the death of a major corporate player. 

Specialized protections for high-risk professions and high earners

The reality and seriousness of high-risk professionals and high earners are that the solutions needed to protect their wealth [and yours, if you are dependent upon their performance] are rarely found in off-the-shelf products and services – they need to be customized to address the considerable risks these professionals face.  As a rock-star in their own industry, possibly a hedge fund manager trading billions of dollars, an entrepreneur protecting millions in equity, or a highly compensated individual (such as an athlete, entertainer, or a key employee/partner), these folks have livelihoods that require unique and considerable wealth protection.  While needs can fall under the categories of highly compensated/high-risk disability income protection, key person insurance, and buy-sell funding, other risks [such as contractual performance indemnity, entertainer/headliner coverage, loan indemnification, kidnap & ransom, to name but a few] need to be considered and addressed.  

Interested in discussing how we can help ?

Read our related posts 

Different types of Life Insurance Policies

Life insurance can feel like a complex financial product, shrouded in confusing terminology and various options. Cindy Fields’ latest blog post dives into the different types of life insurance available, empowering you to make informed decisions for your future and your family’s well-being.

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Different Types of Buy Sell Agreements

This new post from Cindy Fields delves into the different types of buy-sell agreements, equipping you with the knowledge to choose the one that best suits your business needs. Understanding these options empowers you to create a robust framework for a smooth and successful transfer of ownership, ensuring your business’s long-term stability.

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Buy Sell Planning While Generation Straddling

In business with a much older, or younger, partner and in sticker shock over the difference in insurance cost coverage between the young un and the old fogie? Check out a solution in this short video on buy-sell planning while generation straddling.   [video...

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Six Steps to succession planning for Businesses

Transitions and change are challenging—especially for small business owners. It can be tough to wrap your head around leaving something you created and led, and even more complex if multiple people might be interested in taking over. That’s why I wrote 6 Steps to Succession Planning for Businesses.

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The Loyalty Alliance team is among the most highly qualified in the industry. Industry designations and academic credentials of Loyalty Alliance Insurance personnel include the following: Certified Financial Planner™ (CFP®), Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC), Certified in Long Term Care (CLTC), Registered Health Underwriter (RHU), Registered Employee Benefits Consultant (REBC), Trust and Estates Practitioner (TEP), Certified Wealth Preservation Planner (CWPP) and Master of Business Administration (MBA/Finance).

*Loyalty Alliance, Inc. is not registered as an Investment Advisor.


Loyalty Alliance, Inc.


Financial Services & Wealth Advisory

Year Founded:



New York City

Ideal Client:

Entrepreneurs, intrapreneurs and other high achievers seeking personalized attention and customized solutions to protect and grow their businesses and personal legacies.