Commercial Life & Executive Benefits | Ravelin Risk & Insurance

Commercial Life & Executive Benefits

Customized life insurance and executive benefit solutions designed to attract, retain, and protect your key leaders and valued employees.

Protecting Your People & Strengthening Your Business

From executive compensation to business continuation planning, these programs help safeguard your company’s long-term stability—and support the people who make it successful.

💼 Group Term Life Insurance

Affordable life insurance coverage provided as an employee benefit, helping protect their families with essential financial security.

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➕ Supplemental / Voluntary Life

Employees can increase their life insurance protection through optional add-on policies with competitive group rates.

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⭐ Key Person Life Insurance

Protection that compensates your business if a vital owner, executive, or revenue-critical employee unexpectedly passes away.

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🔗 Buy-Sell / Continuation Life Insurance

Ensures smooth business succession by funding ownership transfers if a partner or shareholder dies or becomes disabled.

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📘 Executive Bonus (162) Plans

A tax-advantaged strategy that rewards executives with employer-funded life insurance as a compensation incentive.

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📊 Deferred Compensation Plans

Custom benefit arrangements that help retain top talent by allowing income to be paid at a future date—typically retirement.

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💡 Split-Dollar Life Arrangements

Flexible agreements where employers and executives share the costs and benefits of a life insurance policy.

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🏦 Business Loan Protection

Coverage that pays off commercial loans if an owner or guarantor passes away, protecting business continuity.

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🙌 Employee Retention Life Benefits

Life insurance-based retention tools that reward loyalty and reduce turnover among top-performing employees.

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📜 Succession & Estate Planning Support

Strategies that help owners transition their business, protect their families, and preserve their legacy.

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Ready to Explore Executive Benefit Options?

We’ll help design a benefits strategy aligned with your business goals and employee needs.

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