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Use of cross purchase agreements are a fantastic way of continuing your business. Let me explain to you how this can work, say for instance you have three people who are co-owners of a business. Each one of those (first and foremost we would have the business valued) so say, the business is valued at $300,000 and each partner has an equal share. So what happens is, each partner will buy and it will own the policy and make them purchase a policy of the life of the other two. So you get three partners, partner A buys insurance on B and C of the life of B and C. That person is the owner of the policy and he is the beneficiary of the policy. So, one buys on B and C, number two buys on C and A. You got the rhythm of what Im talking about. So there are three partners each buys a policy on the other two, and they become the owner and the beneficiary they gain the two other partners they get insurance on two other two partners lives. They owned a policy and theyre the beneficiary the policy