A disability buy-sell agreement should be funded to help guarantee that promises made will be promises kept. The agreement may be legally binding; however, without funding, there is no assurance that enough money will be available in the business when it is needed and for as long as it is needed. Though it is possible to fund a buy-sell agreement with savings, from cash flow, or even through a loan, the best and only guaranteed way is with disability buy-sell insurance.

Insurance funding of a buy-sell agreement helps assure that the right amount of cash will be available at the exact time it is needed, thus leaving cash assets and future business earnings intact.