Executive Life Insurance

We design, implement and administer Executive Life Insurance plans with proprietary life insurance products. These products are priced based on the demographics, mortality experience, and preferences of the executive and business client. Plans are designed to be company-paid with no earnings impact and a tax-cost to participants that is lower than term life insurance premiums.

Protection at a cost less than term life insurance

Our Executive Life Insurance plans deliver both institutional and proprietary life insurance products to business clients.

We deliver proprietary and institutional life insurance products.

Coverage Amounts

Death benefit amounts from $1,000,000 to $100,000,000+.

No Earnings Impact

Our proprietary and institutional life insurance products are funded with a split-dollar structure resulting in no earnings impact to the company.


Define Plan participants, coverage amounts, and eligibility aligned with your corporate objectives.

Protection at a cost less than term

Our Executive Life Insurance plans deliver both institutional and proprietary life insurance products to business clients. A plan can be designed to deliver no earnings impact to the business while providing life insurance coverage to participants at a tax cost that is less than term life insurance premiums.

How It Works

Quote & Analysis

Gather information on the business, potential plan participants, and various death benefit amounts (multiple of compensation or stated amount).

Private Underwriting

We use our private underwriting process to protect our clients and keep you in control of the process. We offer simplified and guaranteed-issue coverage for larger groups.

Manage the Plan

Our firm provides ongoing management for the plan and life insurance policy issued.

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 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 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