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.
Key Person Life Insurance
Insure owners and key executives to fund corporate liabilities and protect the business.
Legacy Planning for Generational Wealth
Tax-Efficient Investing
Affluent families and investors use insurance investment accounts to defer or eliminate taxation.
How Much Death Benefit Do You Need?
Run a quick capital needs analysis to determine how much life insurance death benefit you need to protect your family.
We've helped our
clients in a big way.
$201 billion
Total Death Benefit Inforce
$47 billion
Life Insurance Cash Values
$1.4 billion
New Annualized Premium
M Financial & Member Firms' Collective Buying Power
Highlights for 2023
How do our clients use
life insurance?
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.
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 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.
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.
CORPORATE INVESTING
Corporate-Owned Life Insurance (Company, Bank, & Credit Union)
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
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
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).