A life insurance policy designed for your needs.

We offer life insurance products through multiple insurance carriers, giving us the ability to customize your policy tailored to your needs. In addition, we have access to proprietary and institutional life insurance products.

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Death Benefit Protection

Term & Permanent Life Insurance

Purchase a tax-free death benefit to be paid to your beneficiaries upon your death. We issue death benefit amounts from $500,000 to $80,000,000+.

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Premium Allocation

Permanent Life Insurance Only

Allocate premiums into various asset classes: guaranteed returns, fixed interest accounts, indexes, and a variety of institutional investment funds.

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Long-Term Care Benefits

Permanent Life Insurance Only

You can leverage the death benefit, if needed, to receive monthly long-term care benefits to pay for your care.

We're independent.

Our team works directly with you and your advisors.

With over 50 years of combined experience, we proudly deliver end-to-end life insurance services for our affluent and institutional clients. We seamlessly design, underwrite, acquire, and manage your life insurance policies.

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The following are critical factors that could impact the cost of your life insurance policy.

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Your Health

Your health and how you manage it will impact your risk classification.

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Your Gender

For the same risk classification, men generally pay more for life insurance.

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Policy Type

The type of policy, term or permanent life insurance, will impact the premium cost.

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Your Age

As you age, the cost of a life insurance policy will increase each year.

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Your Lifestyle

Hazardous hobbies, the use of cannabis, and/or tobacco products can raise your rates.

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Risk Tolerance

For permanent life insurance, underlying investment risk will impact the premium cost.

Copyright © 2021 TRC Financial. All rights reserved.

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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

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