Key Person & Buy-Sell Coverage

Key Person

Life Insurance

Key Person Life Insurance is a life insurance policy purchased by a company on the life of a key employee or shareholder.

Key Person


Key Person Disability Insurance is often the most overlooked risk for companies and its shareholders. We deliver proprietary and institutional disability coverage.

Business Cash Management

Our institutional insurance products offer a business the ability to deliver immediate short-term cash on cash yields with no mark-to-market risk that are competitive to business accounts like money markets and CDs.

Buy-Sell Plan


In a buy-sell plan, one party agrees to sell and the other agrees to buy a business interest as the result of a triggering event. We insure and fund these events.

Liability Funding

Corporate-Owned Life Insurance (COLI)

We use institutional and proprietary COLI products to fund corporate liabilities as well as provide enhanced earnings for short-term and long-term investments.

Insurance Company-Owned Life Insurance (COLI)

We use institutional and proprietary ICOLI products to fund corporate liabilities as well as provide a tax-efficient alternative for investing assets with a lower RBC charge.

Bank-Owned Life Insurance (BOLI)

We use institutional and proprietary BOLI products to fund bank liabilities as well as provide a tax-efficient alternative for bank-eligible investment alternatives.



We help banks with legacy BOLI contracts improve performance and restructure the asset with no income tax or MEC penalties. A restructure often results in improved earnings, known liquidity, and improved investment options.

Executive Benefit Plans

Non-Qualified  Incentive Plans

In order to retain and reward key executives, companies often need to provide excess benefit plans beyond stock-option and other equity-based benefits. 


Life Insurance

Provides excess or supplemental life insurance to a select group of employees with no earnings impact to the company and generally a lower cost to participants when compared to term life insurance premiums.

Key Person Long-Term Care

The risk of a long-term care event is typically uninsured or not factored into a retirement cash flow plan making it a substantial "unknown" financial risk.

Secured Incentive Plan

A Secured Incentive Plan (SIP) leverages a company loan structure to lock-in the low interest rates while allowing the executive participant to own 100% of their benefits.

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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