Life insurance trusts remain a cornerstone of sophisticated estate liquidity and wealth management plans. Trust-Owned Life Insurance (TOLI) can be managed with the same investment management discipline as fixed income and equity investments, yet most trustees lack the requisite risk-based procedures and policy evaluation expertise. Fiduciary law makes no exception for these shortcomings.

A ‘best practices’ TOLI risk management program must be legally defensible, administratively feasible, and cost-efficient. We assist:

• Corporate trustees in transitioning to a ‘risk management’ process that demonstrates adherence to fiduciary law principles and compliance with regulatory procedures.
• Grantors and beneficiaries in confirming expected TOLI values and resolving related disputes.
• Estate planning professionals in advising their clients on life insurance placement, management and restructure matters

In today’s risk management era, an alliance with Trust Asset Consultants safeguards the interests of all insurance trust parties – trustee, grantor, beneficiaries, and professional advisors.