Bank-Owned Life Insurance

Improve your earnings

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

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).

We deliver proprietary and institutional BOLI products.

Asset Allocation - TRC Financial.png

Benefit Liabilities

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

Insurance Benefits - TRC Financial.png

Tax-Efficient Funding

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

M Financial.png

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

Step 1 - TRC Financial.png

Information

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

Step 2 - TRC Financial.png

Analysis

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

Step 3 - TRC Financial.png

Issue & Manage

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