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Business partners and shareholders of closely held businesses need to be concerned with the potential that one of the partners will die prematurely or is permanently disabled. If the estate of the deceased stipulates the business is passed on to that shareholder's family, who may not be desired as partners, have no interest in the business, or are likely to interfere in the business without any experience in managing it, major difficulties can be created for the business and the surviving partners. In extreme cases, thriving businesses have failed or forced into a sale when this happens. Buy-sell agreements can solve this problem, by providing the business with the cash necessary to buy out the surviving family's interests in the business.