Zealous Client Advocacy

We represent your interests and drive a competitive market for you.

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Innovative

Our 25+ years of experience and industry-leading investment in systems save you time and money.

Transparent

Our compensation is fully-disclosed in advance – and guaranteed.

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Independent

We have access to more insurance carriers, resulting in the most competitive market possible.

Objective

Our advice is realistic, practical and most important, unbiased.

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Banks ranging from the world’s largest financial institutions to mid-sized banks struggle to find truly objective BOLI Advisory, Administration and Pre-Purchase Services.  For 25 years they have been turning to MB Schoen & Associates.  Why?  They’re able to leverage our investment in the systems and people needed to exceed regulatory guidelines.  More importantly, the most discerning institutions – including two of the top ten U.S. Banks – have chosen us to fulfill their exacting standards.

MORTALITY DESIGN CONSIDERATIONS FOR PURCHASERS OF COLI/BOLI PLANS – Publications

In June, the Society of Actuaries’ Product Matters! published an article titled Effects of Experience Rating on COLI/BOLI Programs. The article for policyholders, authored by Matt Schoen and James Van Etten, provides an overview of the differences between experience rated and non-experience rated product designs, and describes ways to ascertain and measure exposures to excess mortality related costs.

In August, Product Matters! followed up with the second installment titled Managing Mortality Costs Within COLI/BOLI ProgramsAmong other findings and observations, this article cautions potential purchasers of BOLI to be mindful of the degree to which the insurance company issuer retains discretion to adjust mortality related charges over time. 

The articles in this series were designed to provide institutional purchasers and sponsors of life insurance with knowledge about the mortality costs, benefits and risks associated with COLI/BOLI programs. Articles in the original series that are not expected to appear in Product Matters! include “Risk Transfer Considerations,” which addresses these considerations from a variety of perspectives, and “Common COLI/BOLI Misconceptions,” which concludes with a discussion that debunks common misconceptions that have been used to criticize the purchase of COLI/BOLI programs. The interested reader can find the entire series here.

We are the ONLY provider that has:

Better Outcomes

Our expertise and objective RFP process saves you money and helps you avoid costly pitfalls, such as unwarranted COI increases.

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Save Time

We are a SOC I, Type 2 Audited administrator. Two of the top ten U.S. banks leverage us as a key resource.

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Elevate Governance

We can help you look forward to your next BOLI regulatory examination.

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