What we do
Independent guidance. Precision execution. Long-term clarity.
At MB Schoen our work spans the full life cycle of BOLI and COLI—from pre-purchase strategy and policy structuring to decades-long administration and regulatory risk assessment. Whether you're exploring your first policy or managing a multi-layered portfolio, we offer deep technical expertise and calm, fiduciary guidance.
BOLI/COLI Advisory
Pre-Purchase Strategy
At MB Schoen our work spans the full life cycle of BOLI and COLI—from pre-purchase strategy and policy structuring to decades-long administration and regulatory risk assessment.
RFP & Carrier Negotiation
We design and execute competitive, structured RFPs to ensure pricing integrity and strong Representations & Warranties. Our process has saved clients tens of millions in NPV, balancing flexibility, risk protection, and long-term outcomes.
Policy Structuring & Optimization
We help structure new and inherited policies for optimal performance. This includes design reviews, restructuring legacy holdings, and ensuring alignment with benefit obligations and regulatory requirements.
Fiduciary Review Process
Our governance reviews assess policy arrays for risk, performance gaps, and documentation deficiencies. We deliver clear, actionable recommendations to strengthen ongoing oversight—especially post-M&A or in banks with layered portfolios.
Administration & Compliance
Accounting & Monitoring
We deliver custom GAAP-compliant reporting, policy value accounting, and investment monitoring. Our reports include everything from DV01/CS01 risk metrics to carrier credit summaries—built to serve both daily operations and annual audit demands.
Regulatory Reporting & Basel III
We provide full support for regulatory capital calculations under all Basel III frameworks—from Full Look Through to SA-CCR. Our team handles reporting logic and documentation so you remain compliant and audit-ready.
Claim Management
End-to-end, in-house claim management—SSA LADMF & obituary monitoring, certificate procurement, filing, and full reconciliation through payment (including IBNR).
Financial Analysis & Forecasting
CCAR and budget forecasting with stress/sensitivity analyses and A/L NPV modeling—linking benefit obligations to projected BOLI inflows for clearer decisions.
CARS™ Audit & Reconciliation
Our proprietary CARS™ system reconciles over $20B in assets monthly with 0.001% precision. Built in-house, it mirrors insurer-side logic down to the certificate level. CARS™ has uncovered millions in historical discrepancies—money returned to our clients.
Risk & Performance Assessment
BOLI Governance Review
We provide independent governance reviews focused on regulatory compliance, reconciliation standards, provider performance, and benefit funding alignment. Our reports are designed to guide board-level oversight with confidence.
Stable Value Risk Analysis
Our proprietary SVP modeling software supports both historical and forward-looking simulations. Built to align with CCAR, it helps clients preempt agreement breaches, model unwind risks, and support internal capital planning.
Vulnerability Assessment
We identify key risks within existing policy structures—from endowment tax exposure to counterparty concentration. We advise on mitigation strategies based on evolving markets, regulatory shifts, and client-specific risk profiles.
Actuarial Support
Our actuarial reviews span benefit liability measurement, mortality and financial assumption validation, and hedging structure analysis. We bring quantitative clarity to policy performance projections and compliance scenarios.
I-COLI
Risk Mitigation
A valuable tool to help companies mitigate growing obligations associated with certain employee benefits.
Tax-Efficient
A tax-efficient structure with tax-deferred growth and tax-free death benefits.
Asset Diversification
Access to diversified investment portfolios across fixed income, equity, and alternative options.
Capital Efficient
Assets receive favorable treatment under NAIC regulatory capital requirements and rating-agency assessment models.
Over 33 years
Of fiduciary service and technical guidance
Trusted by the largest U.S. Banks
SOC 1 Type 2 and SOC 2 audited
Infrastructure, with real-time disaster recovery
$20B+ monthly at 0.001% accuracy across 150M+ transaction
CARS™ reconciliation