# [Health Insurance] 33, Business Uses of Disability Insurance

Page: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-33-business-uses-of-disability-insurance
Text version: https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-33-business-uses-of-disability-insurance.md
Podcast: [Insurance Exam Prep](https://stenobird.com/podcast/insurance-exam-prep-7644557)
Published: 2026-04-29T23:26:01+00:00
Episode link: https://open-exam-prep.com/
Audio file: https://episodes.captivate.fm/episode/7290db3b-bdfe-40d7-b739-b98ed994c059.mp3
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Duration seconds: 183

## Resource

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - Business Overhead Expense (BOE) insurance covers fixed costs like rent and employee salaries, but explicitly excludes the owner's salary. - BOE policy premiums are tax-deductible as a business expense, but the benefits received are considered taxable income to the business. - Key Person Disability insurance protects a business from the financial loss of a vital employee, with the business receiving the benefit tax-free. - Disability Buy-Sell insurance provides funds for remaining owners to purchase the business interest of a partner who becomes permanently disabled. - Premiums for Key Person and Disability Buy-Sell policies are not tax-deductible, and the benefits are received by the business income tax-free. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep

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