ADVISORY SERVICES

Getting the Most from an Institutional Insurance

The long duration of BOLI/COLI/I-COLI policies, often exceeding 50 years, makes it inevitable that you will need to assess aspects of it periodically. We provide the expert advisory services you need to thoroughly understand your BOLI/COLI/I-COLI program and ensure compliance, particularly when you have multiple types of policies resulting from past acquisitions.

We have been advising clients ranging from the world’s largest financial institutions to mid-sized banks and insurance companies for over 30 years. They call upon us to assist with M&A due diligence when BOLI/COLI/I-COLI is involved, knowing that we will work quickly and maintain the highest level of confidentiality. Additionally, they call us to perform in-depth analyses of existing portfolios.

Pre-M&A Due Diligence

Assessment of the target’s BOLI/COLI/I-COLI holdings and benefit liabilities
Identification of material issues that would require surrendering a policy or create a tax liability
Quantification of the financial impact of BOLI/COLI/I-COLI holdings so transaction terms can be adjusted accordingly
Fulfillment of governance requirements for due diligence
Summary report with recommendations

Portfolio Due Diligence

Identification of current or potential vulnerabilities
Independent, comprehensive assessment of BOLI/COLI/I-COLI holdings, including complex arrays of policies resulting from multiple acquisitions
Thorough governance assessment
Comprehensive report of risks, deficiencies and mitigating recommendations

Our comprehensive, fee-for-service model means you only pay for the resources you need for prudent BOLI risk management. We invite you to learn more about our BOLI Advisory Services: