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We Can Help You Master Your Small Business Challenges

Wearing many hats as a small business owner is challenging. Western & Southern can offer you assistance with insurance, retirement planning, employee benefits and more.

Small Business Financial Solutions for Hard-Working Owners Like You

As a small business owner, you fuel the economic engine of our country. According to the U.S. Small Business Administration Office of Advocacy, 30.2 million small businesses made up 99.9 percent of U.S. employer firms and employed 47.5 percent of the private workforce in 2015. Small businesses are the backbone of our economy.

Western & Southern appreciates your unique challenges. Whether it's being able to retain talent, maximize the value of your business or manage rising healthcare and health insurance costs, our financial professionals are ready to work with you. We can help you create a strategy for how to prepare for your retirement, develop a contingency plan if the unexpected happens and exit your business while preserving its value.

Buy-Sell Agreement

Find out how a buy-sell agreement can help protect the survival of your business.

EXPLORE THE VALUE OF A BUY-SELL AGREEMENT

Key Person Insurance

Learn how to protect your business from unexpected loss with key person insurance.
Build Security With Key Person Insurance

Business Transfer

Use business transfer to exit your business ownership with a full financial advantage.

Understand How Business Transfer Works

Retirement Plans

Consider which retirement plans are right for you to help build your financial security.

Let Us Help With Retirement Plans

BenefitsPLUS

Offer your employees and yourself convenient access to important life insurance protection.

Discover How to Enroll in BenefitsPLUS
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Learn More About Small Business

Start with these educational articles to help empower you to make more informed decisions about your financial future. 
Owner taking payment at register - task of small business

4 Small Business Financial Planning Tips

Don't let your day-to-day operations prevent you from planning for your business's financial future. 
father and son discussing business planning

Business Succession Planning Guide

Identifying the best candidate for business succession and seeing the transfer through takes time. Don't wait to get started. 
Business owner researching types of small business

What Are the Types of Small Business Insurance?

Starting a business can be rewarding, but also risky. Here are some ways you can help protect yourself and your enterprise.

Explore Small Business in More Depth

Top 5 Asset Protection Strategies for Business Owners

Running your own business may be a long-standing dream of yours — and the right asset protection strategies could help keep that dream alive. 

What Is My Business Worth? 4 Small Business Valuation Methods

For small business owners, a valuation could offer many benefits — but it may be difficult to know where to start. Learn about four valuation methods.

How Small Businesses Can Build Attractive Employee Benefits Packages

For small-business owners, a competitive employee benefits package provides many benefits. Learn how you could build one for your business. 

How to Help Protect Your Business Against the Loss of a Key Employee

Many small businesses depend on key employees to keep things running smoothly. Learn how you could help protect your business against a loss.

Smart Succession Planning for Small Business Owners

You've watched your business grow and thrive over the years, but do you have a plan in place for tomorrow? Learn how succession planning could help. 

How to Sell Your Business & Maximize Your Value

Small business owners should start preparing for a sale well ahead of time. Here are some ideas to help you begin your path.

How to Create a Self-Employed Retirement Plan

Are you trying to save for retirement, but you're self-employed? Here are a few important options to consider.

Are You Interested in Starting a Small Business?

Choosing between a traditional 9–5 job and starting your own business can be difficult, but exploring some of the key considerations could help. 

Starting a Business? Ask Yourself These 5 Questions First

Do you dream of being a business owner? Ask yourself these five questions that could help you open for business in no time.

Is a SEP or SIMPLE IRA Right for Your Business?

The right employee benefits can help attract (and keep) top performers, but which ones are right for your business? Learn about SEP and SIMPLE IRAs.

Owning a Small Business: 5 Day-to-Day Implications to Consider

As a small business owner, you've got your eye on the enterprise's big-picture mission and values — but don't let the daily details trip you up. 

4 Business Protection Strategies to Stay Fiscally Fit

Are you a business owner? Explore these strategies for keeping your business fiscally fit for years to come.

Why Small Business Financial Solutions From Western & Southern?

As a small business owner, you know how to choose your partners wisely. Western & Southern is a Fortune 500 company with 130 years of financial strength that can help you build the financial security of your business. We can assist you with insurance, retirement planning, employee benefits and more. Let’s master the challenges of small business ownership together.
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IMPORTANT DISCLOSURES

A Buy-Sell Agreement identifies actions to take in the event a co-owner dies, is forced-out or chooses to leave the business. An attorney can assist with the Buy-Sell Agreement to ensure it is legally binding and a financial representative can assist with product selection. Each business owner purchases a life insurance policy on each of the other owners. When the owner dies, the surviving owners use the death benefit to purchase the deceased owner’s share of the business. Products issued by The Western and Southern Life Insurance Company and Western-Southern Life Assurance Company and other life insurance member companies of Western & Southern Financial Group can help meet these needs.

Key Person Insurance provides a death benefit to employers in the event of the death of a key employee to ensure the business can continue. A financial representative can assist with product selection and help to determine the amount(s) needed on each key employee to help ensure business remains operational. Products issued by The Western and Southern Life Insurance Company and Western-Southern Life Assurance Company and other life insurance member companies of Western & Southern Financial Group can help meet these needs.

A Business Transfer allows the ownership of a business to be gradually transferred to other individuals. Attorneys and Tax Accountants would be able to assist with this concept. A financial representative could assist if the need for life insurance, annuities or investments would be required. Products issued by The Western and Southern Life Insurance Company and Western-Southern Life Assurance Company and other life insurance member companies of Western & Southern Financial Group can help meet these needs.

Retirement Plans create a plan for retirement funding. Life insurance and annuities can help with retirement planning. A financial representative can assist with product selection. Products issued by The Western and Southern Life Insurance Company and Western-Southern Life Assurance Company and other life insurance member companies of Western & Southern Financial Group can help meet these needs.

BenefitsPLUS can provide life insurance to small businesses and help the business retain employees. A financial representative can help the employees with product selection. Small businesses can allow a financial representative to visit employees to sell life insurance to them. Products issued by The Western and Southern Life Insurance Company and Western-Southern Life Assurance Company can help meet these needs.  

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