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Buy/Sell Disability Insurance


Defining when a long-term disability of an owner should trigger the sale of his interest to another party is challenging. Funding the sale is even harder. Insurance can serve two purposes here. First, any Buy / Sell Agreement between parties could rely on the insuring clause with either a disability buy / sell policy or an Indexed Universal Life (IUL) policy containing a Waiver of Specified Premium Rider, either of which will define the conditions that the insured must meet to be eligible to receive disability payments. Second, the policy (or policies) can be structured to assist the buying party to fund the purchase.

Even having one or both kinds of disability protection, often a disability buyout will still involve an installment sale.


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