Protecting
Entrepreneurs, Executives,
and Affluent Families

We are an independent firm with experience in the use of life insurance, disability insurance, and long-term care insurance to help our clients protect wealth and preserve legacies.

We specialize in the structuring and long-term administration of large life insurance portfolios for entrepreneurs, affluent families, and institutions.

Who We Serve

Decades of experience insuring entrepreneurs, executives, and affluent families has enabled us to offer proprietary insurance products.

Proprietary Products

Our Advantage

Experience

Decades of experience in underwriting, placing, and managing custom insurance solutions for our affluent and institutional clients.

Proprietary

Direct and proprietary access to insurance carrier products and designs not available in the retail insurance market.

Independence

Our independence from all life insurance companies enables us to provide unbiased advice to clients and their advisors.

Service

Trust that has been built and maintained through decades of servicing our clients.

LONG-TERM CARE

A new way to protect your family, retirement, and long-term care risk

70% of people turning age 65 will need some type of long-term care services in their lifetimes. Our proprietary product and policy design delivers liquidity under a variety of scenarios - death, supplemental retirement income, and tax-free long-term care benefits. Take a minute to run our online analysis to help you better understand the costs and benefits of our recommended insurance policy for long-term care.

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TAX-EFFICIENT INVESTING

Minimize burdens to help achieve tax deferral

Affluent families and investors use institutional and proprietary annuity and life insurance investment accounts to defer alternative and traditional asset class investments from current taxation. You can defer taxes, remain in control of assets, and reallocate between traditional & alternative asset classes with no taxation. TRC Financial, through M Financial, provides clients with proprietary access to private placement annuity and life insurance contracts.

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Simple Way to Achieve Tax-Deferral on Investment Gains

Private Placement Annuity and Life Insurance Investment Accounts enable investors to defer current taxation on investment gains.

Gain Valuable Insights Into Your Life Insurance Policy

Evaluate the economics of your life insurance policy or portfolio of policies - short and long-term performance, premium cash flow and IRR.

Life Settlement, Life Insurance Policy Valuation

Determine Your Policy's Life Settlement Value

Understand the life settlement market values for a life insurance policy beyond what is reflected in the Annual Policy Statement.

Valuation of Life Insurance Policies

When a life insurance policy is transferred, the policy may need to be valued for income tax, gift tax, estate tax, or generation-skipping transfer tax purposes. Even when a policy is not transferred, the policy owner or other interested parties may need to value the policy for tax, accounting, or other reasons. We outline options for the valuation of life insurance policies.

Life Insurance Premium Finance: A Liquidity Option for High-Net-Worth Individuals

Commercial life insurance premium finance is a way to pay insurance premiums. The concept itself is quite simple. A creditworthy party, usually the policy owner (an individual, trust, or business) or the insured, borrows money from a commercial lender to pay premium on a life insurance contract.

Washington State Estate Tax Law Changes: What High-Net-Worth Families Need to Know Before July 1, 2025

New legislation was signed into law that significantly reshapes the estate tax landscape for Washington state. These changes will have a profound impact on families, business owners, and individuals with Washington-based assets.

We've helped our

clients in a big way.

$202 billion

Total Death Benefit Inforce

$46 billion

Life Insurance Cash Values

$2.3 billion

New Annualized Premium

M Financial & Member Firms' Collective Buying Power
Highlights for 2024

Services designed for you,
the affluent and institutional client.

TRC Financial is an independent firm that delivers a reliable and unbiased approach to acquiring and managing life insurance portfolios and innovative benefit plans. As a Member Firm of M Financial, we use over five decades of experience combined with unrivaled service & technology to bring unique life insurance, disability, long-term care, and benefit plan solutions to our clients and advisors. Our focus centers around proprietary plan design, product placement, and administration for life insurance, disability and long-term care insurance, executive benefit plans, and private placement insurance investment accounts.

About Us

Insights from Our Case Studies

ESTATE PLANNING

Protecting land and cash flow for generation II and III

A family patriarch had spent most of his life acquiring land and negotiating oil and gas lease contracts with some of the world's largest oil and gas companies. The value of the land and contracts had grow to have a value over fifty million dollars.

LONG-TERM CARE PLAN

Company solves the challenges of long-term care for its executives

The company enhanced its broad-based group long-term care (LTC) offering for its executives and senior managers. It was critical to deliver a benefit plan for retirement that did not require benefit accruals and was implemented with no earnings impact.

KEY PERSON INSURANCE

Company acquires a life insurance policy insuring its CEO

The CEO, and large shareholder, of a privately-held company negotiated a buy-sell arrangement with the private equity (PE) firm to acquire a large portion of his outstanding shares in the event of his death. The liquidity enabled both the PE and the CEO to implement appropriate financial and estate planning.