Executive Benefits & Life Insurance

In an increasingly competitive environment, business owners are constantly looking for ways to protect their business all while rewarding and retaining their top talent. At Heffernan, we offer executive benefit programs and insurance options that strategically supplement both group disability and retirement programs. Our solutions provide the necessary benefits that individuals want, and business owners need. 

Additionally, Heffernan Life, a Division of Heffernan Insurance Brokers, advises individuals, families, and businesses about all aspects of life insurance. With Heffernan Life, you’ll have access to our thorough analysis of your current coverage. Where appropriate, we’ll recommend alternative solutions to make sure all those who depend on life insurance coverage are taken care of.

Top Tier Disability Insurance

The ability to earn a sizable income is your biggest asset, yet is most often taken for granted. Traditional insurers are ineffective at meeting the income replacement ratios of high earners. With Heffernan, you have access to high limit disability solutions from the industry’s highest rated companies.

Our companies understand the highly compensated market and offer coverage above and beyond what traditional insurers offer. In most cases, they are available on a guaranteed issue basis. We also have relationships with carriers that provide high-limit Key Person disability, and Disability Buy-Out options for both private and public organizations.

Individual Life Insurance Company-Owned Life Insurance (COLI) You may already be aware that life insurance is used to protect the financial security of loved ones. However, life insurance has many other advantages you may not know about, including:

  • Supplementing retirement
  • Providing additional cash for college
  • Paying estate taxes
  • Providing a living needs benefit
  • And more

Heffernan Life recognizes the importance of having a solid financial plan and preparing for the unexpected. That’s why we offer a variety of programs in addition to life insurance, including mortgage protection, disability protection, long-term care, and estate planning. We pride ourselves in offering a comprehensive array of protection options, just in case.

Company-Owned Life Insurance (COLI)

You may already be aware that life insurance is used to protect the financial security of loved ones. However, life insurance has many other advantages you may not know about, including:

  • Key Person
  • Buy-Sell
  • Rewarding & Retraining Key Employees
  • (Executive Benefits)
  • Non-Qualified Deferred Compensation
  • Retirement Supplements
  • Business Continuation
  • Business Success
  • Stock Redemption