Small Business and Self-Employed Business Owners Help Center

A 10 Step Guide to Successful Small Business Management

Print out the Step-by-step Checklist

Make your business run better and more profitably

Table of Contents

Ten Building Blocks
to Success:
 1. Starting a Business
 2. Financing a business
 3. Company Name
 4. Office Equipment
 5. Hiring
 6. Business Insurance
 7. Advertising
 8. Efficiency
 9. Pension Plans
 10. Succession Plans

 Checklist for Success

 More Useful Advice:

▪ Life Insurance

▪Disability Insurance

▪Medical Insurance

▪Long Term Care

▪Travel Insurance

▪Dental Insurance

▪Auto Insurance

        Resources

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Term Life Insurance

    By far the most affordable and economical life insurance policy, term life gives you the ability to purchase a large death benefit at a price that almost anyone can afford.
    The premium can be set at a level amount that is guaranteed to NOT increase for a fixed period of years. For most companies those guaranteed level premium periods are:

5-year, 10-year, 15-year, 20-year, 25-year or 30-year

    The higher the guaranteed period is the higher the premium is. The advantage of choosing a long guarantee period is the peace of mind in knowing that this is one expense that can NOT change. Look for an online life insurance quote from covering all of the above premium periods. Check the life insurance company's ratings with A.M. Best (A+ or better) and Standard & Poors (AA or better).

    How much life insurance should you purchase? The rule of thumb is 5 times your income PLUS your net worth. Example: someone with a $100,000 income and a net worth of $500,000 would purchase a $1,000,000 policy. Given the low cost of Term Life Insurance we highly recommend at least a $1,000,000 policy for husband and wife with at least a 20-year level premium.

    Where can You get a quote?

    From our friends at New England Disability and Life. Their database of over 300 term life companies guarantees you a low cost quote.

    Term life insurance rates, quotes, news, and information for life insurance buyers.
Low Term Life Rates offers quotes for Cheap Term Life insurance, Annual Renewable Term Life Insurance, Return of Premium Term Life Insurance, whole life insurance, universal life insurance policy, plans and information from life insurance companies.

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