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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 cash management accounts, CDs, treasuries, US government bond funds, and short-term corporate bond funds. The benefits include immediate tax-deferred short-term & long-term earnings as well as insurance death benefit coverage on your key employees.

Help improve net yields

Our institutional corporate policy delivers more than a traditional business cash account.

Allocate a portion of your cash account to help improve yields.

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Corporate Liabilities

Coverage to recover corporate benefit liabilities, such as the death of a key employee, non-qualified benefit liabilities, medical benefits, and 401(k) matching contributions.

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Tax-Efficient Yields

Policy structure allows the business to defer investment gains or eliminate corporate taxes when the policy matures in a death benefit.



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

Requires an insurable interest and need for insurance. It is not meant for active deposits and withdrawals.

Let your cash holdings work for you

Our clients invest in Corporate-Owned Life Insurance (COLI) to allocate a portion of its cash holdings to create an immediate liquid asset to help improve earnings for shareholders, offset emerging liabilities, and leverage the tax savings for returns within a COLI product.

How It Works

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Gather information on the cash balances held at the company, benefit plan liabilities, business assumptions, and potential insured group of employees.

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Evaluate product and underlying investment options for the cash, develop an allocation of cash plan, and model the short and long-term cash flow and earnings impact.

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Issue & Manage

Issue the COLI contracts on the insured population, wire the initial premium, and report on monthly values for the company's balance sheet.

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