The T.O.L.I. Experience™

How to Acquire and Manage Trust Owned Life Insurance

At Wealth and Legacy Group, we recognize that acquiring and managing Trust-Owned Life Insurance is not only an art but also a science. Due to this fact, we have created our proprietary T.O.L.I. Experience™ process to help HNW and UHNW clients and their Trusted Professionals (CPA, Attorney, Wealth Manager, Financial Planner, Family Office) acquire and manage trust owned life insurance.

The Problem:

  • The T.O.L.I. policy most likely represents a large percentage of the client’s total estate
  • Trustees rarely review the policies owned by an Irrevocable Life Insurance Trust
  • The insurance policy may now be inappropriate
  • The trustee may be able to get more insurance death benefit for the same premium (despite being older)
  • The TOLI policy is not performing as originally projected
  • The Trustee does not truly understand the impact of falling interest rates on policy performance
  • The Trustee does not recognize that the carrier which was “A” rated 5 years ago may now a “B” rated carrier

The Solution:

Policy Checkup™
Premium Experience™ Risk Identification Experience™
Financing Experience™