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Business Owners & Employers




Items We Address
  • Business Continuation Concepts                                    
  • Group health insurance coverage
  • Employer-owned life insurance                                      
  • 401(k) takeovers or startups
  • Key employee life insurance                                            
  • Ancillary voluntary benefits programs
  • Group term life insurance
  • Business valuation
  • Executive bonus arrangements
  • Shifting future business growth
  • Split-dollar life insurance
  • Nonqualified deferred compensation

Want to expand your company’s benefits to become:

  • More attractive to potential employees?
  • Improve morale, employee satisfaction and retention?

Compare your current benefits package with us and we will shop all the companies for a cost-effective solution that fits your company.

Business Insurance at a Glance

Business insurance is the term used in the insurance industry to describe the use of life insurance and disability income insurance for certain financial needs of businesses and business owners. Business insurance uses insurance products to help address the following needs of a business owner:

  • Economic loss to the business when a key employee dies
  • Disposition of a business owner’s interest upon death or other separation from the business
  • Attraction and retention of valuable employees
  • Rewarding faithful employees
Protect and Grow Your Business

Planning is one of the most important parts of running a business. Whether you’re a large multinational corporation or a small business, we have the knowledge and resources to help keep your company on track.

Our Locations

Pensacola, Florida
Lafayette, Louisiana
Palm Bay, Florida
Tallahassee, Florida
Texarkana, Texas
Birmingham, Alabama
Fort Walton Beach, Florida
*Securities offered through OneAmerica Securities, Inc., a Registered Investment Advisor, Member FINRA, SIPC. American Heritage Financial, LLC is not an affiliate of OneAmerica Securities or the companies of OneAmerica and is not a broker dealer or Registered Investment Advisor.   American Heritage Financial, LLC may conduct life insurance and securities business in Florida and may be licensed in other states. Financial professionals cannot conduct life insurance or securities business in states in which they are not licensed. This content should not be construed as an offer for the sale of insurance or securities products in unauthorized states or countries.   Provided content is for overview and informational purposes only and is not intended and should not be relied upon as individualized tax, legal, fiduciary, or investment advice. Neither OneAmerica Securities, the companies of OneAmerica, American Heritage Financial, LLC, nor their representatives provide tax or legal advice. For answers to specific questions and before making any decisions, please consult a qualified attorney or tax advisor.  
Investing involves risk which includes potential loss of principal. Guarantees are subject to the claims paying ability of the issuing insurance company.  
Not affiliated with or endorsed by the Social Security Administration, the Centers for Medicare & Medicaid Services, or any other governmental agency.