Life Insurance Policy Review

We offer a life insurance policy (or portfolio) review service. Our life insurance policy review service delivers the projected economics of the policy, consolidated policy information (tax basis, values, surrender position, policy loans, ownership, beneficiaries, and assignments), and analysis of the short and long-term policy performance - cash flow and the internal rate of return impact of alternatives.

Get your arms around your life insurance policy

Understand all of your options for the life insurance policy - the insurance company won't tell you.

Get your arms around your life insurance policy.

Policy Risk

Life insurance policies can look fine today and be at risk to lapse just a few years later.

Act Now

Options to restructure a life insurance policy are available - change premiums, reduce the death benefit, or execute a tax-free 1035 Exchange.


Understand all of your options for the life insurance policy - the insurance company won't tell you.


Call Now​

(949) 725-2372

Take 5 minutes to talk with us

We just need a little of your time to start a due care and financial analysis on each policy you own to illustrate the economic and tax impact of a policy surrender, ongoing premium cash flow alternatives, internal rates of return, and restructure economics.

How It Works


Initial conference call to gather basic policy information, ownership information, and your objectives.


Gather detailed policy information including inforce projections, values, premium history, and restructure options.

Policy Report

Deliver a detailed report summarizing the audit, policy options, and recommendations.

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 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

(949) 509-2940