Individual Reviews for Advisors

We offer advisors consulting services to review a policy (or portfolio of policies). Our policy review services deliver to you and your client the projected economics of the policy, consolidated policy information (tax basis, values, surrender position, policy loans, ownership, beneficiaries, and assignments), and analysis of the short and long-term policy performance and features - including premium cash flow of alternatives.

We are here to help you and your client

We provide review and audit services to help you understand your client's insurance policy(ies).

We are here to help you and your client.

Life Insurance Policy

We provide review and audit services to help you understand your client's life insurance policy(ies).

Disability Policy

We provide review and audit services to help you understand your client's disability insurance policy(ies).

Long-Term Care Policy

We provide review and audit services to help you understand your client's long-term care insurance policy(ies).

Take 5 minutes to talk with us

We just need a little of your time to start a due care and financial analysis on each policy your client owns.

How It Works


Initial conference call to gather basic policy information, ownership information, and your client's objectives.


Gather detailed policy information including inforce projections, values, policy benefits, premium history, and restructure options.

Policy Report

Deliver a detailed report summarizing the audit, policy options, and recommendations.

Copyright © 2021 TRC Financial. All rights reserved.

TRC Financial Insurance Services and affiliates are presently licensed to sell insurance and annuity products, as well as other securities products in the following states: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia and Wisconsin. Residents of other states should consult with a local registered representative for insurance services and securities products. Proper state registration is mandatory prior to conducting business in that state. This is not an offer to sell securities, which may be done only after proper delivery of a prospectus and a client suitability review. CA License - #0E14614 \ CA License #0B40789 \ CA License #0B52893 - The principle place of business and the state of domicile for TRC Financial is: 1 Post, Suite 150, Irvine, CA 92618. Securities offered through Registered Representatives of M Holdings Securities, Inc., a Registered Broker/Dealer Member FINRA / SIPC. Check the background of this Firm and/or investment professional on FINRA's BrokerCheck. TRC Financial is independently owned and operated and is a Member Firm of M Financial. Please go to and click on “Disclosure Statement” at the bottom of the home page for further details regarding this relationship. For important information related to M Securities, refer to the M Securities’ Client Relationship Summary (Form CRS) by navigating to

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