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Life Insurance Services

Dependable Unbiased Approach

In our fifth decade serving clients, we offer end-to-end life insurance services. We design, underwrite, acquire, and service life insurance products for our affluent & institutional clients through multiple life insurance carriers.

Los Angeles

Key Person Life Insurance

Insure owners and key executives to fund corporate liabilities and protect the business.

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Beach Fench

Legacy Planning for Generational Wealth

Legacy planning to protect, accumulate, and transfer wealth to the next generation.

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Financial Data

Tax-Efficient Investing 

Affluent families and investors use insurance investment accounts to defer or eliminate taxation.

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We've helped our

clients in a big way.

$186 billion

Total Death Benefit Inforce

$44 billion

Life Insurance Cash Values

$1.5 billion

New Annualized Premium

M Financial & Member Firms' Collective Buying Power
Highlights for 2021

How do our clients use

life insurance?

Senior Couple

ESTATE PLANNING

Provide immediate liquidity for estate tax and other liabilities

Our firm provides practical solutions that will provide clarity and certainty into the estate planning process. These solutions often involve reducing taxes, providing liquidity, and ensuring the proper timing and the amount of distributions to chosen beneficiaries.

Family at a Beach

FINANCIAL PLANNING

Protect your family, retirement, and long-term care risk

One life insurance policy to protect your family, deliver tax-efficient retirement savings, and provide tax-free long-term care benefits. Our proprietary product and unique policy design delivers liquidity under a variety of scenarios - death, supplemental retirement income, and long-term care.

Key Person Life Insurance.png

KEY PERSON PLANNING

Insure owners and key executives to fund corporate liabilities

Our firm helps companies, private equity, and venture capital firms insure founders, key executives, and employees. We issue coverages from $1,000,000 to $100,000,000+. For funding liabilities, we place institutional & proprietary life insurance policies for our corporate clients.

Market Analysis

TAX-EFFICIENT INVESTING

Minimize administrative burdens to achieve tax deferral 

Affluent families and corporations use life insurance investment accounts to defer alternative and traditional asset class investments from current taxation. Generally, the optimum asset classes are fixed income, alternative investments or equity portfolios with high annual turnover, and high-income tax states.

Los Angeles

CORPORATE INVESTING

Corporate-Owned Life Insurance (Company, Bank, & Credit Union)

Our team works with senior executives, internal committees, and boards to structure corporate-owned, bank-owned, and insurance-owned life insurance (COLI, BOLI, ICOLI) programs geared specifically to the company’s investment objectives and philosophy.

Tree Planting

LEGACY PLANNING

Provide liquidity for inheritance and charitable bequest

Our firm helps families use life insurance to equal out inheritance between children and grandchildren. This is often used in family-owned businesses where different assets will be inherited across the family members. For a charitable bequest, life insurance provides immediate liquidity at death.

Individuals, Families & Trusts

Individuals, Families & Trusts

For ultra-affluent clients, we provide life insurance solutions for strategic wealth transfer, wealth protection and wealth accumulation. In working with clients and advisors, we use an integrated approach to life insurance placement and funding. Using proprietary solutions and delivering objective recommendations based on nearly five decades of experience in the industry, our team delivers solutions custom to each TRC client.

Wealth Transfer Life Insurance Funding

Provides tax-efficient gifting and funding of life insurance to assist families and trusts with the transfer and protection of wealth.

Proprietary Tax-Advantaged Insurance

We utilize various institutional life insurance and annuity product chassis, including private placement, to fund various tax-deferral and wealth transfer solutions.

Leveraged Premium Solutions

Access to proprietary premium financing solutions for funding life insurance. The funding solution allows clients to benefit from utilizing the tax features of life insurance with the leverage of financing.

Living Life Insurance Benefits

We strive to deliver tax-efficient living benefits to fund objectives around tax-deferral, long-term care expenses, and supplemental retirement benefits.

Businesses & Key Employees

Businesses & Key Employees

For business owners, private and select public companies, insurance companies, P&C companies, credit unions, and banks, our Corporate Services focus on delivering innovative design, implementation, security, funding and management of life insurance for corporate clients. Our consultative approach to corporate clients allows our team to work with business owners, senior executives, compensation committees and boards to structure life insurance geared specifically to the company’s objectives and philosophy.

Secure Incentive Plans

Company can provide a benefit that is secure from corporate creditors and allows participants to earn equity rates of return using tax deductible dollars.

Succession & Key Person Funding

We work with clients and advisors to fund business continuity and succession plans to provide the business and key employees with liquidity and coverage upon the occurrence of a triggering event, such as death, retirement, or disability.

Earnings Enhancement & Funding

Company can use institutional life insurance products to delivery short and long-term funding for cash enhancement and benefit liabilities.

Pre-Funded Long-Term Care Plans

Company provided paid-up long-term care policy for an executive to cover expenses in the event they require treatment in a long-term care facility; these plans are delivered with no tax to the participant and are paid-up before retirement.

Private Underwriting

Our Private Underwriting service allows clients to control the underwriting process. We deliver a 100% digital experience. If you qualify, we can issue a new policy with no insurance exam. For clients with a more complex medical history, we obtain copies of a client's medical records and have them reviewed on a private and confidential basis. Our defined and controlled underwriting process allows us to evaluate product pricing in the context of real carrier offers without exposing our client to any potential negative results being entered into the Medical Information Bureau (MIB).

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