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).

Improve your earnings

Retail “off-the-shelf” life insurance products do not meet the needs of institutional corporate clients.

We deliver proprietary and institutional COLI products.

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Benefit Liabilities

Fund corporate benefit liabilities, such as non-qualified benefits, medical benefits, 401(k) matching contributions, and other employee benefit plans.

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Tax-Efficient Funding

COLI provides a structure to defer investment gains or eliminate corporate taxes when the policy matures in a death benefit.

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Proprietary

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

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

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Information

Gather information on benefit plan liabilities, business assumptions, and potential insured group of employees.

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Analysis

Evaluate product and underlying investment options, develop a cash flow and earnings impact model.

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Issue & Manage

Issue the COLI contracts on the insured population, wire the initial premium, and report on monthly values.