The TOLI Center is the risk identification and mitigation standard for objective, third-party support services for Trust-Owned Life Insurance (TOLI) policies. 

The TOLI Center brings together TOLI procedures consulting, policy and portfolio administration and actuarial expertise to support "best practice" TOLI risk management determinations.

Our clients are corporate and personal trustees and estate planning professional advisors who lack the fiduciary law, regulatory compliance, and life insurance expertise necessary to make informed TOLI product suitability determinations and monitor performance.

TOLI Management - Standard of Care

Trust-Owned life insurance can be managed with the same standard of care discipline expected of fixed income and equity investments.  Our services are designed to safeguard the interests of all insurance trust parties – trustees, grantors, beneficiaries, professional advisors, and insurance agents/brokers.  Our services are strictly fee-based.  By contract, The TOLI Center cannot serve as a policy provider, cannot receive insurance policy commissions in consideration of its services, and does not provide insurance policy remediation advice or restructure recommendations.

TOLI trustees must demonstrate a standard of care that is legally defensible, cost efficient and administratively feasible.  Implicit in this 3-prong test is an understanding of trust operation requirements, financial institution regulatory compliance standards, modern portfolio theory, life insurance products, life insurance and investment industry regulations and market conduct standards, and credible life insurance policy evaluation.  Establishment of a cost-efficient “best practices” TOLI risk management program is no small task. 

As a result, most TOLI trustees elect to outsource policy and portfolio risk management support functions to a qualified and experienced third-party service-provider.