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.



Would your business experience a financial loss if a key employee died or became disabled?





Bud Abbott owns Abbott Consulting, a business that relies heavily on excellent outside sales activity. Ten years ago, Bud hired Lou Costello as vice president of sales, and sales have consistently grown under Lou’s management. Bud has made sure to financially reward Lou for his success, but he is worried about what might happen to the business if Lou were to die or become disabled. Lou has developed strong relationships with all the top customers of the consulting firm, so his potential loss would be devastating to the business. Bud estimates his firm would require at least $1 million to replace lost revenues and fund the search and training for an adequate replacement. 





Bud purchases both a $1 million "Key-Person” Term Life insurance policy and a $1 million “Key-Person” Disability Income insurance policy on Lou. The policies are simple, effective solutions that will protect Abbott Consulting if Lou were to die or become disabled before retiring.


If your business depends on key employees, their death or disability would likely have a negative impact. Key-person policies can protect your business from potentially substantial losses.



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.