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Client Profile:

Business Owner Wants to Incentivize Key Executives

Problem:

A business owner may wish to incentivize key executives to continue high level performance at their company, versus at a competing company. The business owner may not know how to create a comprehensive plan that incents key people, but is also tax efficient for the company.

Solution:

Offer a deferred compensation (salary continuation) plan to top management and key executives. Under this type of a plan, if an employee meets certain requirements (i.e. time severed), he or she is promised an “unsecured” benefit of specified dollars over a given period. The company “may” elect to informally fund the obligation with life insurance. Life insurance can provide unique benefits such as tax deferred growth of cash values and tax-advantaged distributions (no taxation to the company), if structured properly, among other benefits.

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What's in a Name?

We wanted a name to reflect our core values.  To speak to what we do for our clients and their trusted advisors.  We wanted a name that meant something to us and you, and we wanted it to separate us from the rest.  That’s why we selected Heirmark.  It succinctly represents what we do every day for our clients and their advisors.  We help families and business owners acquire life insurance and earmark assets and business interests for their intended beneficiaries; their heirs.

 

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New home for our Cleveland office!

7005 S. Edgerton Road, Suite 101, Cleveland, OH 44141

Quick Fact

We cast a wide net, reeling in dozens of underwriting offers for our clients.

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Copyright © 2025 HEIRMARK, LTD All Rights Reserved. Privacy

Disclaimer

HEIRMARK, LTD and its agents are presently licensed to sell traditional life insurance in the following states: AR, AZ, CA (#0G32030), CO, FL, GA, MN, MO, MT, OH, PA, TX and VT

NOTE: HEIRMARK, LTD Insurance services are limited to residents of the above listed states. Residents of other states should consult with a local agent for insurance service. Variable life and annuity products, as well as other securities products, may be sold in the following states: AR, AZ, CA (#0G32030), CO, FL, GA, MN, MO, MT, OH, PA and VT. Securities products are offered to residents of the above listed states. Residents of other states should consult with a local registered representative for securities products.

 

Securities and Investment advisory services offered through M Holdings Securities, Inc., a registered broker/dealer and investment advisor, member FINRA/SIPC. HEIRMARK, LTD is independently owned and operated. HEIRMARK, LTD is a member of M Financial Group. Please go to mfin.com/DisclosureStatement for further details regarding this relationship.

For important information related to M Securities, refer to the M Securities’ Client Relationship
Summary (Form CRS) by navigating to https://mfin.com/m-securities.

Check the background of this Firm and/or investment professional on FINRA's BrokerCheck.

Registered representatives are registered to conduct securities business and licensed to conduct insurance business in limited states.  Response to, or contact with, residents of other states will only be made upon compliance with applicable licensing and registration requirements.  The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

This site is for information purposes and should not be construed as legal or tax advice and is not intended to replace the advice of a qualified attorney, financial or tax advisor or plan provider.

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Heirmark®  Logo
  • Working with Heirmark
    • Overview
    • Our Philosophy
    • Underwriting Edge
    • Service Commitment
    • M Financial Group
    • Clients
    • Partnering With Us
  • Services
    • Overview
    • Business Planning
    • Personal Planning
    • Insurance Policy Audits
    • 20/20 Insurance Reviews
    • Life Settlements
  • Strategies
    • Overview
    • Personal
    • Business
  • About Us
    • Overview
    • Process
    • Our Team
  • News
  • Contact Us
  • Twitter
  • LinkedIn
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