Corporate & Business Insurance Solutions
Empowering Business Owners to Achieve Key Goals and Protect Core Assets
As a member of Lion Street, Dentdelioun provides professional business life insurance solutions for business owners and their advisors, helping them retain key talent, optimize taxes, plan business succession, and mitigate risks.
Our Corporate & Business Solutions team (C&BS) adopts a personalized consulting approach, tailoring executive compensation, risk management, and business succession strategies. Business owners not only enhance financial security but also optimize asset allocation and achieve wealth growth through insurance strategies.
Our Experience
Business Succession & Exit Planning
Business owners must prepare for liquidity events, succession planning, and asset transitions. Our solutions include:
✔ Buy-Sell Agreements — Ensuring smooth control transitions for partners or heirs
✔ Employee Stock Ownership Plans (ESOPs) — Attracting and retaining talent through equity incentives
✔ Stock Redemption — Helping businesses plan for ownership changes and optimize capital structure
Core Benefits for Business Owners
We help business owners grow wealth, optimize taxes, and increase protection through corporate-sponsored plans:
✔ Cash Balance Plans — Combining pension tax advantages to accelerate wealth accumulation
✔ Captive Insurance — Leveraging a self-insurance mechanism to optimize taxes and risk management
✔ Management Services Organizations (MSOs) — Providing compliant insurance structures to optimize costs
Executive Compensation & Retention Strategies
We help business owners recruit, incentivize, and retain key executives by offering customized deferred compensation and executive benefit plans:
✔ Non-Qualified Deferred Compensation Plans (NQDCPs) — Allowing executives to delay compensation for tax optimization
✔ Supplemental Executive Retirement Plans (SERPs) — Offering additional retirement benefits to enhance talent attraction
✔ Split-Dollar Plans — Enabling both the business and employees to share a life insurance policy, optimizing compensation structure
✔ Bonus Plans— Rewarding executives directly through insurance plans to improve tax efficiency
Key Employee Benefit Restoration
We assist businesses in restoring benefits lost due to IRS plan limitations, ensuring key employees maintain their core protections:
✔ Life Insurance— Providing substantial coverage for business owners and executives
✔ Disability Insurance — Ensuring business operations remain unaffected by the disability of key employees
✔ Retirement Solutions— Additional retirement benefits for executives
Corporate Asset Strategies
We offer efficient tax optimization strategies for banks, insurance companies, and large businesses to improve balance sheet performance:
✔ Corporate-Owned Life Insurance (COLI) — Optimizing taxes and asset allocation through corporate-owned policies
✔ Bank-Owned Life Insurance (BOLI)— Providing banks with stable investment returns
✔ Insurance Company-Owned Life Insurance (ICOLI)— Special life insurance plans used by insurance companies to optimize their capital structure