First and foremost, we're a tech company, not an insurance agency. Helm Financial is an independently owned and operated organization that will be objective when finding you multiple offers from our network of top-rated carriers. We care more about getting you the lowest possible price for insurance, not our commission rates. Most advisors see key person insurance as death only insurance.
Statistically, however, this is the least likely way to lose someone, yet it is commonly the only protection put in place. Including our commission rates! We have no ties to any insurance company or incentive to sell certain products over another. You see every option we see every single time. We use a 3D approach to ensure your business is protected "from all angles" when it comes to Death, Disability and Departure.
We have pioneered an insurance acquisition process called the WayPilot Program where you can shop the actual rates, not speculative ones. We are here to bring transparency to buying life insurance.
Statistically, however, this is the least likely way to lose someone, yet it is commonly the only protection put in place. Including our commission rates! We have no ties to any insurance company or incentive to sell certain products over another. You see every option we see every single time. We use a 3D approach to ensure your business is protected "from all angles" when it comes to Death, Disability and Departure.
We have pioneered an insurance acquisition process called the WayPilot Program where you can shop the actual rates, not speculative ones. We are here to bring transparency to buying life insurance.
Services
The founders of Helm Financial LLC share more than just a strong love of the sea; we all agree that we are greater than the sum of our parts.
Each member of the Helm team has individual strengths that, when utilized simultaneously, can positively impact our clients.
This philosophy-combined with our client-focused mindset-is the foundation of our practice.
Understanding our clientele and their unique financial needs requires a collaborative strategy in order to achieve the highest level of success.
Each member of the Helm team has individual strengths that, when utilized simultaneously, can positively impact our clients.
This philosophy-combined with our client-focused mindset-is the foundation of our practice.
Understanding our clientele and their unique financial needs requires a collaborative strategy in order to achieve the highest level of success.
For business partners, completing the legal agreement is a great start, but it's really only half the work.
The other part is financially backing any buyout triggering event using insurance (specifically death or disability).
Buy-sell insurance, or sometimes called buyout insurance, is a funding method in order to satisfy a legal agreement between business partners.
The Funding Method That Provides Capital - Often buy-sell insurance owned by the other partner(s) or the business.
A quick test to determine if you should be considering a buyout insurance policy is thinking about how you will come up with the money to buy out a partner if he/she passes away suddenly.
The other part is financially backing any buyout triggering event using insurance (specifically death or disability).
Buy-sell insurance, or sometimes called buyout insurance, is a funding method in order to satisfy a legal agreement between business partners.
The Funding Method That Provides Capital - Often buy-sell insurance owned by the other partner(s) or the business.
A quick test to determine if you should be considering a buyout insurance policy is thinking about how you will come up with the money to buy out a partner if he/she passes away suddenly.
Losing out on the services of a key team leader can be devastating to a company of any size.
Truly special executives provide tremendous value to their business, and, in some instances, they may be practically irreplaceable.
Studies indicate that -- on average -- it costs 33% of a professional's yearly salary to replace them if they leave.
That's why executive compensation packages are so important to sustainable growth and viability of businesses.
Businesses that manage to retain their top talent save money, time, and maintain crucial internal continuity.
Truly special executives provide tremendous value to their business, and, in some instances, they may be practically irreplaceable.
Studies indicate that -- on average -- it costs 33% of a professional's yearly salary to replace them if they leave.
That's why executive compensation packages are so important to sustainable growth and viability of businesses.
Businesses that manage to retain their top talent save money, time, and maintain crucial internal continuity.
It can save a business hundreds of thousands, if not millions of dollars when they're most in need of financial support.
In some instances, properly designed key person insurance can save businesses from going under and forced to liquidate.
Key person insurance is a life and disability insurance policy that a business takes out on essential personnel which often include managers, executives, and owners.
The business acts as beneficiary -- it pays the premiums and covers the costs, but also receives any payouts.
In some instances, properly designed key person insurance can save businesses from going under and forced to liquidate.
Key person insurance is a life and disability insurance policy that a business takes out on essential personnel which often include managers, executives, and owners.
The business acts as beneficiary -- it pays the premiums and covers the costs, but also receives any payouts.
The WayPilot Program is designed to allow businesses to secure essential insurance at the lowest possible price and with the highest probability of success.
Take your traditional insurance agency.
When you need insurance, their brokers will take your basic information and compute a list of quotes assuming your health is the same for every insurance company.
What they don't take into consideration is that every insurance company views your health differently.
One may see your health as standard.
Take your traditional insurance agency.
When you need insurance, their brokers will take your basic information and compute a list of quotes assuming your health is the same for every insurance company.
What they don't take into consideration is that every insurance company views your health differently.
One may see your health as standard.
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