Mad men and martini lunches. That’s what my kids think I do. Only Leroy knows the blood, sweat, and tears invested in this agency. He’s my first born and he’ll inherit this agency after I’m gone. He’s really the only one of my three kids who’s shown any interest in my business.

I love all my kids, don’t get me wrong. They’re good kids. I want to make sure they’re all treated fairly in case anything happens to me or Connie, my wife. So, I plan on leaving everything to Connie to make things simple. But after talking to my financial professional, Mary, I learned that’s a bad idea.

I could end up alienating Leroy from the business he’s worked so hard to build. I might create disharmony among the kids too. After working with Mary, I learned how creating a simple buy-sell arrangement using life insurance can help protect Leroy’s interest in the business and protect Connie and the kids in the event of my premature death. Now I can rest assured that everything I love most in the world is protected. All in a day’s work.