The introduction of such an agreement, when negotiated simultaneously with buyers active for the company, can greatly disrupt the sales process. Similarly, if a business owner becomes ill, disabled, or even dies, the likelihood of reaching an agreement on a residency premium plan with key employees is very important. There are a variety of strategies for financing stay bonuses. Often, business owners plan to fund residency premiums by subcontracting a life insurance policy to the business as a beneficiary. After the death of the owner, death benefits from the life insurance policy can be used to fund the residency premiums of key employees. Another strategy is to purchase life insurance for key employees, the present value of which could be used to pay the living premiums. .