30+ years
of expertise and industry-leading investment
2 of the TOP 4
U.S. Banks
have chosen us as
a key resource
SOC 1, Type 2
SOC 2, Type 2
infrastructure and controls
Why choose us
Measured. Proven. Designed for Institutional Trust.
When outcomes matter, clients turn to MB Schoen for long-view clarity, not quick wins. Here's why we continue to earn the trust of the country’s most discerning institutions.
Measured. Verified. Built to Endure.
$20B+ in BOLI assets reconciled monthly
0.001% accuracy via proprietary CARS™ system
150M+ transactions independently audited
More than 33 years of fiduciary BOLI/COLI service
First to market with private offering SA BOLI and COLI
17 U.S. patents in stable value, optimization, and policy innovation
RFP methodology that has saved clients $60M+ in NPV
Clarity. Consistency. Confidence.
Fiduciary Clarity
Our independence isn’t a positioning. It’s a principle. We are legally and ethically bound to act solely in your interest. Our recommendations are shaped only by what strengthens your institution’s long-term financial outcomes.
This is why we publish our compensation in advance. Why we guarantee performance. And why institutions—from small banks to global leaders—trust us to provide quiet, enduring stewardship built on clarity and care.
Built on Trust
Two of the four largest banks in the United States rely on us—a relationship shaped by decades of consistency, clarity, and discretion. What matters is how we serve. Regional banks, mutuals, and community institutions turn to us for the same reason: we meet complexity with calm, and structure with substance.
We serve institutions with multi-billion-dollar portfolios—and those exploring BOLI for the first time. The constant is our standard.
Patented Innovation in Practice
Our principals have shaped the BOLI/COLI landscape from the inside. From designing the first private offering SA BOLI and COLI policies to holding 17 U.S. patents in stable value, risk mitigation, and policy optimization, we bring innovation grounded in regulatory and actuarial expertise.
It’s innovation with purpose—designed to reduce volatility, model performance more precisely, and secure stronger outcomes for our clients.
Audit-Grade Infrastructure
We reconcile over $20 billion in assets monthly using our in-house CARS™ system—the only reconciliation engine that mirrors the logic of five major insurers down to the unit value. Our audit processes exceed industry standards, catching errors manual checks miss.
Our environment is SOC 1 Type 2 and SOC 2 audited, with real-time disaster recovery, biometric access controls, and tested continuity planning. We build systems our clients can rely on—because anything less isn’t an option.
RFPs Built for the Long Term
Our structured RFP process is built to serve decades—not just deals. We create competitive environments that align with your goals, driving better pricing, stronger terms, and greater policy flexibility from the start.
That foundation extends into long-term stewardship. From administration to compliance and optimization, we remain engaged—so you can focus forward, knowing the details are handled with care and precision.