To reach financial goals, companies must consistently optimize earnings. However, barriers exist. One such impediment is the size of the unfunded obligations of executive benefit programs, estimated to be approaching trillions of dollars on a national scale.

Long-Term Liabilities

As benefit costs accelerate, companies must seek competitively priced ways to finance pre- and post-retirement benefit liabilities. Unfunded liabilities are extremely complex and, at their most unhealthy stage, hold the unintended potential to destroy companies. Frankly, benefits have outgrown their traditional corner in the HR department.

At Clark, our consultative benefits experts use skill and ingenuity to decipher these complexities by creating with new strategies and methods to finance this growing dilemma.

Bank-owned, corporate-owned or trust-owned life insurance (BOLI/COLI/TOLI) products are among the most efficient financing vehicles available because they offer the right strategic framework to balance long-term benefit costs with long-term earnings. In turn, both earnings and shareholder value can be optimized.

Clark Consulting has established itself as the largest BOLI/COLI producer in the United States with nearly $60 billion in assets currently under administration.

Whether BOLI, COLI or TOLI is the best vehicle to finance your long-term liabilities, one of our knowledgeable professionals will guide you through a discovery process to determine the appropriate solution. Always, expect a personalized approach—in a candid and consultative style—with consideration to your specific circumstances.