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.

Improve net yields

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

Allocate a portion of your cash account to improve yields.

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.

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 do not meet the needs of institutional corporate clients - we offer proprietary products.

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 improve earnings for shareholders, offset emerging liabilities, and leverage the tax savings for returns within a COLI product.

How It Works


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


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.

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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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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