Corporate-Owned Life Insurance
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 companies evaluate their current and future benefit liability costs and how those costs can be funded with corporate-owned life insurance (COLI).
Help improve your earnings
Retail “off-the-shelf” life insurance products may not meet the needs of institutional corporate clients.
We deliver proprietary and institutional COLI products.
Benefit Liabilities
Fund corporate benefit liabilities, such as non-qualified benefits, medical benefits, 401(k) matching contributions, and other employee benefit plans.
Tax-Efficient Funding
COLI provides a structure to defer investment gains or eliminate corporate taxes when the policy matures in a death benefit.
Proprietary
Retail “off-the-shelf” life insurance products may not meet the needs of institutional corporate clients - we offer proprietary products.
Help improve your earnings
Our clients invest in Corporate-Owned Life Insurance (COLI) to create an asset to offset emerging liabilities, minimize profit & loss impact for shareholders, and leverage the tax savings for returns within a COLI product.
How It Works
Information
Gather information on benefit plan liabilities, business assumptions, and potential insured group of employees.
Analysis
Evaluate product and underlying investment options, develop a cash flow and earnings impact model.
Issue & Manage
Issue the COLI contracts on the insured population, wire the initial premium, and report on monthly values.