A product suitability determination is required at the time of each premium payment. The TOLI Center evaluates current policy performance, provides a comparison to policy acceptance benchmark values, and identifies the options available if a policy is under or over-performing its benchmark values.

The Prudent Investor Rule provides the following trustee guidance: “The trustee’s duties apply not only in making investments but also in monitoring and reviewing investments, which is to be done in a manner that is reasonable and appropriate to the particular investments, courses of action, and strategies involved.