Business Life Insurance NJ | Key Person, Buy-Sell | Gaviria Life
Gaviria Life — Business Solutions

Your business built it.
Let's make sure
it survives anything.

Key Person Insurance, Buy-Sell Agreements, Executive Bonus Plans, Succession Planning, and Group Term Life — built for NJ and GA business owners who can't afford to leave things to chance.

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NJ & GA Licensed States
5 Business Solutions
EN / ES English & Spanish
$0 Cost to Consult
Kevin Gaviria, business life insurance agent for key person and buy-sell coverage, on a New Jersey main street
The Risk No One Talks About

Many business owners are one event away from losing what they built.

You've spent years building your business. But what happens if your key employee dies unexpectedly? What if your business partner passes and their family inherits their share? What if you can't work tomorrow?

Most small business owners have personal life insurance — but almost none have the business protection to match. That's the gap we close.

Business Protection Solutions

Five ways we protect what you've built.

Each solution is designed for a specific risk every business owner faces — but few plan for.

01
⭐ Most Critical for Business Owners

Buy-Sell Agreement Funding

A buy-sell agreement tells the world what happens to your business if a partner dies. But an unfunded agreement is just a piece of paper. Life insurance provides the money when it's needed. Without this, your partner's family could become your new co-owner overnight.

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  • Prevents a deceased partner's family from controlling the business
  • Sets the buyout price in advance, so no one has to negotiate during a crisis
  • Provides the cash for the buyout when it's needed
  • Works for LLCs, corporations, and partnerships
  • Life insurance provides the liquidity exactly when it's needed
02
🔑

Key Person Insurance

If your business depends on one person — a top salesperson, a founder, a technical expert — their loss could cost you far more than their salary. Key Person Insurance pays your business directly so you can survive, stabilize, and rebuild.

  • The business owns the policy and is the one that gets the money
  • Covers lost revenue during transition
  • Funds a search for a qualified replacement
  • Reassures lenders, investors, and clients
03
🎯

Executive Bonus Plans

Reward and retain your best people with a benefit most small businesses never offer. You pay the monthly cost of the policy (the premium) as a bonus. The bonus is generally deductible as compensation, and your executive owns the policy. A strong incentive to stay.

  • Business pays the monthly cost as a bonus (generally deductible; confirm with your CPA)
  • Executive owns the policy and cash value
  • Can build tax-advantaged cash value for key staff
  • Typically no ERISA plan filings or discrimination testing
04
🏛️

Succession Planning

What happens to your business when you're ready to step away — or when you're forced to? A proper succession plan protects what you've built, your family's financial security, and the employees who helped you build it.

  • Define who takes over and on what terms
  • Fund the transition so your family receives full value
  • Protect key employees through the ownership change
  • Coordinate with your attorney and CPA
05
👥

Group Term Life Insurance

A simple way to do right by your employees. Group Term Life lets your business provide meaningful life insurance coverage to your team, generally deductible as a business expense.

  • What the business pays in is generally deductible as a business expense
  • The first $50,000 of coverage is generally not taxable to employees
  • Strengthens your benefits package to attract and retain talent
  • Simple to set up — no complex plan administration required

Need funding too?

Lines of credit, SBA loans, equipment and working capital for your business, plus rental, fix and flip and construction loans for property. Kevin refers financing through his partner, Lexington Capital, and can help you protect what it builds.

See the financing programs →

Lexington Capital provides the financing and makes all credit decisions. Kevin is a referral partner, not a lender, and may receive a referral fee.

Who We Serve

Built for the business owners who built NJ.

We work with small-to-mid size business owners across New Jersey and Georgia — the LLCs, partnerships, and family-owned companies that are the backbone of our communities.

If you have a business partner, a key employee, or a family depending on your business, you need this conversation.

Schedule Your No-Obligation Strategy Call
Medical & Dental Practices
Law Firms & Accounting Firms
Construction & Contracting Companies
Retail & Restaurant Owners
Real Estate Investors & Developers
Technology & Consulting Firms
Family-Owned Businesses
Any Business with a Key Person or Partner
Kevin Gaviria
Your Advisor

A Rahway neighbor who understands what you've built.

I'm Kevin Gaviria, a Licensed Life Insurance Producer based in Rahway, NJ. I don't work for a big corporation. I work for you.

As an independent producer, I compare multiple carriers to find the right solution for your specific business structure, size, and goals. No cookie-cutter plans. Just an honest conversation about what your business actually needs to be protected.

I serve clients in English and Spanish, and we can talk by phone or Zoom on your schedule.

✓ Licensed in NJ & GA ✓ Multiple Carriers ✓ English & Spanish ✓ Phone or Zoom ✓ Rahway, NJ Based
Ready to Protect Your Business?

10 minutes. No obligation. Real answers.

Book a no-obligation 10-minute call and walk away knowing exactly what your business needs — and what it doesn't.

Book Your 10-Min Call → Plain English. English or Spanish.
📞 848-212-8787
✉️ hello@gavirialifeinsurance.com
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Call or text (848) 212-8787
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