Malleo Financial Services

Michael A. Malleo 

Phone: 201-321-7041


State of New Jersey Department of Banking and Insurance Licensed Producer: Title, Life, Health 


State of New Jersey

Notary Public Commission: 

Notary Public 


Title Insurance Terms:

Owner's Title Insurance Policy –  A policy which is purchased by the homebuyer. While it is the buyer's choice, purchasing an "owner's title insurance policy" is the best way to protect your property rights, as well as your trustees, inheritors, and beneficiaries.


Member of ALTA
Member of ALTA




















*The opinions expressed on this website are strictly those of Malleo Financial Services, LLC and not those of ASH Brokerage Corp.., or any of our affiliates.


*Malleo Financial Services LLC cannot and

will not give any tax or legal advice.


Business Planning - Business Debt


If you’ve recently invested in your business, you need to invest in security as well. Insurance can protect your business – and family – from potential debt problems.  As a business owner you have to ask yourself: “If something happened to me, would my business be able to service its debts?”  “What if I became too sick or hurt and can’t work, would it be difficult for me to pay my debts?”


Here is an example of such a situation with “John the Business Owner”.


The Problem


John’s business has secured a $5 million commercial loan in order to finance an expansion of an existing facility. John realizes if he were to die or become disabled, the business would have a difficult time finishing the expansion and continuing to operate at a profitable level. He worries his wife would be left with a business that has no leadership and lower revenues. She would also have to manage the building expansion and ultimately pay off the large commercial loan.



The Solution


John secures a $5 million 10–Year Level Term life insurance policy, along with a $5 million Key–Person Disability Income insurance policy. If John were to die or become disabled, then the $5 million benefit could be used to repay the loan and provide his wife the opportunity to either find new leadership for the business, or sell the business at a fair price.



For a free consultation, please contact us for an appointment.

 *This blog is strictly the opinion of Michael A. Malleo and not those of

ASH Brokerage Corp., nor any of our affiliates.


Malleo Financial Services LLC cannot and will not give any specific tax or legal advice.

Please consult your tax professional or legal professional for such advice.