Life Insurance

A life insurance policy designed for your needs

We use proprietary products and analysis others don't to give you the results you deserve.

We offer life insurance products to our clients through multiple life insurance carriers. Our product portfolio is made up of general account life insurance, indexed life insurance, separate account (variable) life insurance, and private placement life insurance. Our firm also has access to proprietary life insurance products through our membership in M Financial Group. These products are priced based on the demographics, mortality experience, and preferences of the high net worth individual and business client.

We deliver proprietary and institutional life insurance products.

Coverage Amounts

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


Insure estate tax liquidity needs, wealth transfer planning, and personal family death benefit protection.


Get a quote and preliminary analysis within 3 to 5 business days.

Protect your life

We offer end-to-end life insurance services. We design, underwrite, acquire, and service life insurance products for our clients through multiple life insurance carriers. Our firm also provides proprietary life insurance products through our membership in M Financial Group. These products are priced based on the demographics, morbidity and mortality experience, and preferences of the affluent individual and business client.

How It Works

Quote & Analysis

Gather information on the estate, financial snapshot, insured(s) health, existing coverage amounts and objectives for the new life insurance.

Private Underwriting

We use our private underwriting process to protect our clients and keep you in control of the process.

Manage the Policy

Our firm provides ongoing management for the life insurance policy after it is acquired.

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 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