Employers & Institutions

Insure key employees, fund benefit plan liabilities & specialty cash management

Insurance solutions to fund short and long-term liabilities

Key Person



Key Person life and disability Insurance is an insurance policy purchased by a company on the life of a key employee or shareholder.

Corporate-Owned Life Insurance (COLI)

We use institutional and proprietary COLI products to fund corporate liabilities as well as provide enhanced earnings for short-term and long-term investments.




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. We insure and fund these events.




Our institutional insurance products offer a business the ability to deliver immediate short-term cash on cash yields that are competitive to business cash accounts like money markets and CDs.

Fund Benefit Liabilities

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

Protect Key People

Insure lost revenue, replacement costs, business expenses, and benefit plan liabilities.

Tax-Efficient Yields

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

Our clients invest in proprietary and institutional insurance products to create an asset to offset emerging liabilities, minimize profit & loss impact for shareholders, and leverage the tax savings for improved returns.

We deliver proprietary and institutional products

We use products aligned to corporate objectives while insuring short and long-term liabilities.

Copyright © 2021 TRC Financial. All rights reserved.

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 principal 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 www.mfin.com 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 https://mfin.com/m-securities.

(949) 509-2940