Non-Qualified Arrangements permit employers to meet the needs of key employees. Non-Qualified Plans cannot be made secure from claims of creditors without incurring current tax. Such plans may be designed to protect participants against change of heart or change of mind by their employer. Publicly traded stock, Share of company, Life insurance 4. Rights B. Disability 1.
Benefits tend to be out-stripped by increases in compensation.
Group insurance contract terms may be restrictive. C. Life Insurance 1. Analysis of adequacy of group benefits, if any. Survivor income, Executive bonus, Split dollar 3. Design comprehensive program which is coordinated with other plan elements.