Corporate owned life insurance — institutionally advantaged

Properly structured, COLI can provide balance sheet advantages, potential cost savings, liquidity, and access to tax-advantaged cash value. Companies can customize their plan design around goals such as retirement benefits, survivor benefits, or succession planning — while offering flexibility to match company goals, employee needs, and various options for underwriting based on the size and needs of the group. Beyond the tax-free death benefit, COLI may also serve as a financing tool for executive benefit programs while delivering performance that can outpace traditional cash management vehicles. Designed for stable, financially strong companies, COLI has long been used by many of the nation’s largest corporations and can be customized for closely held businesses as well. Our team specializes in designing, implementing, and managing COLI strategies tailored to each business, ensuring alignment with company objectives and long-term success.