Life Insurance Policy Reviews & Audits

Evaluate and understand the economics of your life insurance policy(ies).

Our service audits and delivers annual life insurance policy management for you.

We are your back-office for policy cash value reporting and annual policy reviews.

We work with CPAs, lawyers, and investment firms to provide back-office services.

Individual & Family Life Insurance Reviews

We use a measured and analytical approach to review and value a life insurance policy or portfolio. Our services are designed to provide straight-forward advice and options to improve policy economics and maximize policy value.

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, change 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.

Take 5 minutes to talk with us

We just need a little of your time to start a life insurance review and audit 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.

Due Care & Analysis

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

Policy Audit 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 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