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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, 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 Group. Please go to www.mfin.com and click on “Disclosure Statement” at the bottom of the home page for further details regarding this relationship.

(949) 509-2940

Bank-Owned Life Insurance

Corporate benefit liabilities, such as non-qualified benefits, medical benefits, 401(k) matching contributions, and other employee benefit plans, create significant rising costs to current and future shareholders. We specialize in helping banks (community, regional and national banks) evaluate their current and future benefit liability costs and how those costs can be funded with bank-owned life insurance (BOLI).

Improve your earnings

Create an asset to offset emerging liabilities, minimize profit & loss impact for shareholders, and leverage the tax savings for returns.

We deliver proprietary and institutional BOLI products.

Benefit Liabilities

Fund corporate benefit liabilities, such as non-qualified benefits, medical benefits, 401(k) matching contributions, and other employee benefit plans.

Tax-Efficient Funding

BOLI provides a structure to defer investment gains or eliminate corporate taxes when the policy matures in a death benefit.

Proprietary

Retail “off-the-shelf” life insurance products do not meet the needs of institutional corporate clients - we offer proprietary products.

Improve your earnings

Our clients invest in Bank-Owned Life Insurance (BOLI) to create an asset to offset emerging liabilities, minimize profit & loss impact for shareholders, and leverage the tax savings for returns within a BOLI product.

How It Works

Information

Gather information on benefit plan liabilities, business assumptions, and potential insured group of employees.

Analysis

Evaluate bank capacity for BOLI, product and underlying investment options, develop a cash flow and earnings impact model.

Issue & Manage

Issue the BOLI contracts on the insured population, wire the initial premium, and report on monthly values.