A trust account alternative instrument
The Perfect Instrument (TPI)
Consider a powerful alternative financial instrument for reinsurance trust account assets. TPI designed cash value life insurance programs.
Highlights of The Perfect Instrument
Designed for Reinsurance Trust Accounts
TPI can be held in either the A (trust) or B reinsurer accounts. After all, it is a defined admitted asset.
Guarantees Allocated Funds
TPI is designed as an advanced solution that secures funds and provides liquidity to meet unexpected financial obligations.
Multi-purpose Financial Instrument
Like a Swiss Army Knife, TPI is packed with numerous tools and features to aid in addressing numerous business or life events.
From an Admitted Asset Perspective
Protects Trust Account
Protects Trust Account
Protects Trust Account
A defined admitted asset with a 0% performance floor.
Balance Sheet Neutral
Protects Trust Account
Protects Trust Account
Guarantees alternative value for a term.
Liquidity Options
Protects Trust Account
Liquidity Options
Offers several ways to access funds to meet trust obligations.
From an Alternative Asset Perspective
Reduces Risk
Improves Performance
Improves Performance
Lowers account volatility associated with traditional stock, bond, and cash allocation models.
Improves Performance
Improves Performance
Improves Performance
Allocations of 20-25% enhance account performance for traditional stock, bond, and cash allocation models.
Grows Tax Advantaged
Improves Performance
Grows Tax Advantaged
Growth accumulates tax advantaged. Qualifying life events may increase account value.
From a Cash Value Life Insurance Perspective
Tax Advantaged/Free
Tax Advantaged/Free
Tax Advantaged/Free
Generally, upon death of the insured, the named beneficiary(ies) will receive the net death benefit free from taxation.
Flexible
Tax Advantaged/Free
Tax Advantaged/Free
Policy cash value may be borrowed or used as collateral to secure third-party credit.
Supplement
Tax Advantaged/Free
Supplement
Policy cash values may allow ARCs to use TPI designed solutions for supplemental retirement benefits once trust account obligations end.
The Perfect Instrument
Founder - Kenneth Olson
Ken brings a wealth of knowledge, experience, and expertise with over 50-years in the F&I industry.
Managing Member - Kendall Olson
Kendall brings actuarial expertise with three decades of executive experience in the F&I industry.
Managing Member - Keli Alo
Keli brings investment management, advanced insurance planning, and estate and business planning expertise as a former chief investment officer and insurance analyst.
Consulting Certified Life Underwriters & Managing Agents
Mark Volkmann, Carlos Lugo, and Christopher Fisher.
Innovation rarely moves in a straight line.
Straight forward financial modeling and projections
Straight forward financial modeling and projections
Straight forward financial modeling and projections
Depending on the type of organization, TPI uses census or cessions reports to model projections of the program's additional revenue, value, growth, and finally; the eventual use of TPI program as a supplemental retirement benefit for shareholders and officers.
Enhancing outcomes and innovating value
Straight forward financial modeling and projections
Straight forward financial modeling and projections
Developing a truly win-win-win program that benefits the ARC-TPA-CLIP is unprecedented. The added bonus of addressing the 4 "Ds" of business succession: death, disability, divorce, and departure is priceless.