Whitepaper

Why split-dollar belongs in every key employee retention conversation

Estimated 4m read
Whitepaper

Why split-dollar belongs in every key employee retention conversation

Whitepaper

Why split-dollar belongs in every key employee retention conversation

Learn how endorsement split-dollar plans help clients retain key employees

Estimated 4m read
Whitepaper

Why split-dollar belongs in every key employee retention conversation

Learn how endorsement split-dollar plans help clients retain key employees

Estimated 4m read
Whitepaper

Why split-dollar belongs in every key employee retention conversation

Learn how endorsement split-dollar plans help clients retain key employees

Estimated 4m read
Whitepaper

Why split-dollar belongs in every key employee retention conversation

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By Modern Life
September 8, 2026
By Modern Life
Sep 8, 2026
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Summary
1
Why permanent life insurance is the foundation of a key employee retention plan
2
How endorsement split-dollar arrangements creates a golden handcuff while avoiding the compliance burden of traditional deferred compensation
3
A case study showing how the economic benefit charge, tax treatment, and eventual policy transfer play out
3

Losing a key employee costs more than a recruiter fee. It costs client relationships, institutional knowledge, and revenue that's hard to replace. Standard benefits rarely give key employees a reason to stay, since a competitor can match a bonus or a raise on day one.

Split-dollar arrangements work differently: the value builds over time and disappears if the employee leaves early. This whitepaper walks through how endorsement split-dollar plans work, why they sidestep the compliance burden of traditional deferred compensation plans, and how to talk to clients about using one to retain the people their business can least afford to lose.

All registrants will receive a calendar invitation and link to join the webinar via Zoom. Can't make it live? Register anyway and we'll send you a recording of the presentation the next day.

What you’ll learn
1
Why permanent life insurance is the foundation of a key employee retention plan
2
How endorsement split-dollar arrangements creates a golden handcuff while avoiding the compliance burden of traditional deferred compensation
3
A case study showing how the economic benefit charge, tax treatment, and eventual policy transfer play out
4
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