Who keeps your business running — and provides for your family — if something happens to you?
You’ve spent years building your business. But most owners never answer one hard question: what happens to the business, your income, and your family if you’re suddenly not here? Melliand Insurance Agency helps business owners across the Dallas–Fort Worth area put two pieces in place — life insurance and a properly funded buy-sell agreement — so the business you built protects the people you love instead of becoming their burden.
Protect your family
For most business owners, the business is the family’s largest source of income and often its largest asset. Life insurance can replace that income, pay off business and personal debts, and give your family time and options instead of a fire sale. We help you figure out how much coverage actually makes sense and shop it across multiple carriers as an independent agency.
Protect the business with a buy-sell agreement
If you have a business partner, a buy-sell agreement is the plan for what happens to each owner’s share if one of you dies, becomes disabled, or leaves. Funded with life insurance, it means the surviving owner can buy out the departing owner’s share — and the departing owner’s family gets fair value in cash, not a stake in a business they can’t run. Without one, families and surviving partners are often forced into court, conflict, or a distress sale.
Key-person coverage
Sometimes the person the business can’t afford to lose isn’t an owner — it’s a key salesperson, operator, or partner. Key-person life insurance gives the business a financial cushion to survive the loss, recruit, and stabilize.
How we help
As an independent agency, we shop the life insurance market for you, help you size the coverage to the actual need, and coordinate with your attorney and CPA so the policy and the agreement work together. We explain all of it in plain English. Buy-sell agreements are legal documents — we work alongside your attorney, who drafts the agreement itself.
Get started
Let’s make sure your business protects your family, not the other way around. Call (972) 346-4666 or book a no-obligation review.
This page is educational and is not legal or tax advice. Buy-sell agreements should be drafted with a qualified attorney, and tax questions reviewed with your CPA.