Buy-Sell Plan Funding

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. The buy-sell event is typically defined as the death, disability, or retirement of an owner. We provide funding for buy-sell agreements to insure liquidity to buy the business interests.

Insure your buy-sell plan

Fund your buy-sell obligations with insurance to provide liquidity when it is needed. 

We deliver proprietary coverage for buy-sell plans.

Buy-Sell Insureds

Determine who needs to be insured, proper ownership, and coverage amounts for death and disability.


Insure the buy-sell liabilities associated with a cross purchase or entity purchase plan buy-sell.


Use funding approach and product structure to maintain flexibility as the business value and needs change.

Insure your buy-sell obligations

Whether you have a cross purchase buy-sell plan or an entity purchase buy-sell plan, there are three key benefits to insuring the obligations. Benefits of insuring a buy-sell plan include (1) pegs the value of the business, (2) guarantees a known buyer and (3) ensures liquidity.

How It Works

Buy-Sell Funding

Work with your CPA and attorney to understand proper ownership and coverage amounts for the buy-sell agreement.


Insurance exam and application paperwork for coverage types and amounts (including financial justification).

Issue Policy

Buy-sell life insurance and disability insurance policy is issued, premium is paid, and manage the policy as the business evolves.

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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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