Life & Health Insurance
The coverage that protects the people, not the property.
Property and liability protect what you own. Life and health protect what your family depends on — your income, your continuity, and the business that carries your name.
The questions here are more personal, but they matter more. If something happened to you, would your family keep its footing? If you could not work for a year, would the income hold? We help you answer those honestly and place the coverage to match — without selling you more than the situation calls for.
A privately held business is often a family's largest and least-protected asset — its value sits in a few key people and an agreement that may or may not be funded. We make sure the coverage behind it is real, and that the agreement governing succession is actually funded before it is ever needed.
Life and health rarely sit in isolation. They touch your estate, your business succession, and the specialists who already advise you. We stay in our lane — we place insurance and risk, and we work alongside your attorney and your accountant rather than across them. When the picture needs more than coverage, we bring the right specialists to the table.
What we cover
Life insurance
Protecting income, settling estate costs, and providing for the people who rely on you — sized to the obligation, not to a sales target.
Disability
Replacing income if you are unable to work, sized to how you actually live rather than a generic schedule.
Health
Individual and family coverage, including the gaps that open up between plans and life stages.
Key-person coverage
Protecting the business against the loss of an owner or an essential person the value depends on.
Buy-sell funding
Making sure the agreement that governs succession is actually funded, so a transition doesn't force a fire-sale.
Group benefits
Health, life, and disability for the team you've built — structured to fit the business, not bolted on.
If you run a business, the same lines protect the people it depends on — see Celadon Commercial's Human Capital practice.
Begin with a conversation
Tell us what you own and where you stand, and we'll size the coverage to it — privately, and at your pace. It commits you to nothing.
Schedule a conversation