Life & Disability Insurance
Coverage for the People Who Can’t Be Replaced
When a key person is out, the business needs a plan. When it’s you, so does your family. We build both.
Losing a key person to death, illness, or disability hits twice. The business faces lost revenue, debt that still comes due, and a buyout it may not be able to fund. The family faces the loss of an income they were counting on, often at the same time the estate needs cash it doesn’t have. We design strategies for both.
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
- Indexed Universal Life Insurance
- Long-Term Disability Insurance
The Coverage Nobody Requires
You’ve got coverage on the building, the trucks, the equipment, and the tools in the gang box. Every one of those decisions was easy, because a lender or a contract required it. Nobody required you to insure the person the whole thing depends on.
- The truck is replaceable. The building is replaceable. You know what a new excavator costs because you’ve priced one. Nobody has ever handed you a quote for what your family loses if you’re not here.
- Most owners assume they’ll get to it later, when things settle down or when the business can carry it. But the coverage is cheapest and easiest to get while you’re healthy, and health is the one thing on that list you can’t shop for.
- You didn’t build this so your family would have to sell it. Whatever happens to you, the business should be the thing that carries them, not the thing they have to liquidate.
Protect the people your business depends on, and the ones who depend on you.
Why OxEra
Insurance by Design, Never by Default
You work with a dedicated advisor who knows your industry, your company, and your goals. Whenever you have a need or a question, someone who understands the ins and outs of your operation is just a phone call away.
Our footprint
Areas
we serve.
We're focused on industries, not zip codes. Our offices are in Kansas City and Denver, but we work with contractors and manufacturers wherever their business takes them. Don't see your city listed? Let's talk.
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