Business Solutions

If you own a successful business, you know the meaning of hard
work and what satisfaction truly feels like. If you also have
the responsibility of supporting a family, you know what it's
like to occasionally accomplish the impossible.

Here is some information to help you prepare for our meeting
and get you thinking about possible solutions to your needs.

Helping Your Business Grow

Owning a business is among the most common paths to financial
independence — but no one ever said it would be easy.

Running a successful business requires you to study, ask questions
of experts in your industry, and seek the counsel of qualified
tax, legal, and financial advisors. Ask me about John Hancock's
insurance and financial products that can help you support your
business growth plan.

Planning for Your Business's Future

If you weren't around to run your business, what would happen
to it and the income it provides your family? Would a successor
be ready to take over? What will happen when you eventually
retire? Are your family members planning to step in and continue
what you've started? Do you expect to continue receiving an
income from your business after you stop working? People often
allow the day-to-day demands of running a business to prevent
them from answering these important questions until too late.
Don't let it happen to you.

Retirement and Estate Conservation Products and Services

Of course, you may feel like you never want to retire from
your business. You put your life into building it, and now it
has become your lifeblood. But maybe someday you'll want to
slow down, take it easy. Wouldn't it be nice to have that option?

On the other hand, your health might someday prevent you from
working as hard as you'd like. Or perhaps forces outside your
control could alter the market for your products or services.
In short, you may not have complete control over when you decide
to leave your business.

It's important to plan for the unexpected. Using the appropriate
retirement planning and estate conservation products and services
can help you create options, so that you, your family, and your
business are prepared for an array of outcomes. Today's business
owners and self-employed individuals have a wide range of choices
to help them protect their loved ones, take more control over
the future of their business, and manage the risks of daily
living and the unexpected. As a Signator agent, I can help you
begin to create a plan that addresses your concerns and your

Life Insurance for Risk Management

The nature of business is living with risk — the risk of expanding
on borrowed money, launching products and services, extending
credit, and hiring workers. But the successful business owner
knows that opportunity lives on the same street as risk. Those
who do their best to minimize risk have more time to focus on
the pursuit of opportunity.

One way to manage risk is with life insurance. You would purchase
insurance to help protect your capital investments against fire,
theft, or other risks. But have you taken steps to protect against
the loss of key employees? Or protected your family against
the risk of a loan default if something happened to you? Life
insurance can help reduce the financial risks to your business
and your family if you or other key players die before completing
long-term plans.

Offering a Competitive Benefits Package

Regardless of how high or low the unemployment rate is, it's
always difficult and expensive to replace a quality employee.
Once you've found the best people, keeping them interested in
your company and motivated to perform at peak levels is a big

A competitive benefits package is a must-have in today's labor
market. If you are thinking that benefits are an expense you
can't afford, consider these reasons for offering them.

Carefully selected benefits can cut your turnover rate and
the related costs of hiring and training replacements. Benefits
can help boost company morale and improve productivity. And
benefits can be more affordable than you expect. Some can be
offered at virtually no cost to you.

Allow me to help you analyze your needs. You may be surprised
at how easy it is to add the types of protection and planning
appropriate to your business without spending a fortune.