A structured fiduciary review for TOLI and ILIT policies — shaped by the trust's purpose, authority, and coverage need. Minutes, not hours.
A repeatable review process for trust-owned life insurance (TOLI), irrevocable life insurance trusts (ILITs), and any trust-held policy.
Three steps. No integrations. No spreadsheets.
Answer seven plain-language questions about the trust's purpose, authority, and obligation period.
Upload any carrier in-force illustration. Purpose-built AI extracts policy data and analyzes it against the trust's context.
Review findings in the dashboard, download the PDF, and file it in the trust record.
Built for the professionals managing trust-owned life insurance — and the firms that work with them.
Every review turns a carrier illustration into a structured fiduciary review and documentation package.
Every review produces both an interactive dashboard and a professional PDF report.
Review findings section by section in a web-based workspace. Explore details, prepare for client or committee meetings, and walk in ready to discuss the trust's position.
Complete written review designed for the trust file, committee packets, and internal documentation. Download, share, and file — written in the voice your professional clients expect.
Designed for the professionals who serve trust-owned life insurance outside the institutional channel.
Documentation for ILIT administration, irrevocable life insurance trust accountings, and beneficiary reporting. A review written in trustee-oriented language, with disclosed scope and limitations.
Solo and small-practice trustees handling ILIT administration for discretionary and directed trusts. Supports different authority models and governance frameworks — one policy at a time, with the care each trust deserves.
TOLI review documentation for trust-holding clients, written in trustee language. Designed to support annual review, discussion, and coordination with the client's legal and advisory team.
BGAs, carriers, RIAs, advisory firms, and broker-dealers can offer TOLIReview to the professionals they work with — turning fiduciary documentation into a relationship builder.
A structured fiduciary review your CPA, attorney, and trustee partners can use to support documentation, annual review conversations, and client relationships. Delivered as your firm's service.
Structured findings, duration analysis, and methodology-backed documentation written in trustee language. Designed to support review, discussion, and file documentation.
Trusted advisor status with the CPAs and attorneys you work with. First in line when policy changes come up — earned, not pitched.
Replace ad-hoc review processes with consistent, defensible documentation.
| Aspect | Without TOLIReview | With TOLIReview |
|---|---|---|
| Review Time | Hours of manual spreadsheet work | Minutes, not hours |
| Voice | Generic analysis with recommendations | Trustee-oriented documentation with considerations |
| Consistency | Varies by analyst and method | Same structured review every time |
| Documentation | Ad hoc memos and file notes | Sources, scope, and benchmarks disclosed |
| Duration Check | Manual guesswork on coverage length | Automatic gap calculation with severity |
| Professional Acceptance | Hard for CPAs and attorneys to file | Clearer for professionals to review, discuss, and document |
Every review is structured to support fiduciary review documentation under applicable trust, banking, and administrative standards.
| UPIA | The report is designed to help document prudent review of trust-held insurance assets in a manner consistent with UPIA-style fiduciary process, subject to applicable state law and the terms of the trust. |
| OCC 12 CFR 9.6 | Where applicable, the review format supports documentation practices comparable to the account and asset review process used by national bank trust departments under OCC 12 CFR 9.6. |
| Directed Trust | When insurance authority is assigned to a trust adviser, protector, or other directing party, the report frames findings and action items around that party's role, subject to the governing instrument and applicable state law. |
| Methodology Statement | Each report identifies the document reviewed, the scope of analysis, key limitations, and the principal assumptions used, helping create a clearer fiduciary record. |
| Remediation Guardrails | When a report identifies possible policy changes, it highlights key items for further review, including authority, tax, underwriting, and carrier-specific considerations before any action is taken. |
Common questions about trust-owned life insurance reviews and how TOLIReview works.
A TOLI review is a structured review and documentation package for a trust-owned life insurance policy illustration. It assesses whether coverage duration, premium funding, and policy structure align with the trust's stated purpose and fiduciary obligations — and documents the findings for the trust file.
TOLI (trust-owned life insurance) refers to any life insurance policy owned by a trust. An ILIT (irrevocable life insurance trust) is a specific type of irrevocable trust designed to hold life insurance outside of the grantor's taxable estate. TOLIReview supports reviews for policy illustrations held in either structure.
Independent trustees, estate planning attorneys, and CPAs who manage or advise on trust-owned life insurance. BGAs, carriers, RIAs, and advisory firms can also offer TOLIReview to the professionals they work with.
Minutes, not hours. Upload a carrier in-force illustration, answer seven plain-language questions about the trust's purpose and authority, and receive your review immediately.
No. TOLIReview documents findings and considerations in trustee-oriented language — using phrases like "the trust adviser should consider" rather than directives. It does not recommend policy changes, replacements, or any specific course of action. The decision belongs to the trustee and the advisory team.
TOLIReview analyzes carrier in-force illustrations for any life insurance policy held in a trust — including universal life (UL), indexed universal life (IUL), variable universal life (VUL), guaranteed universal life (GUL), and whole life (WL). The analysis is based solely on the illustration provided.
TOLIReview is structured to support fiduciary review documentation under the Uniform Prudent Investor Act (UPIA) and, where applicable to national bank trust departments, OCC regulation 12 CFR 9.6. Each report includes a methodology statement, disclosed scope and limitations, and structured findings appropriate for trust records. The review does not constitute legal advice or a determination of fiduciary compliance.
Every review produces two deliverables: an interactive web-based dashboard and a professional PDF report. The report includes a fiduciary status assessment with duration adequacy analysis benchmarked against SSA life expectancy tables, prioritized findings (High, Monitor, Info), fiduciary action items, carrier questions for the trust file, a 10-year value outlook, suggested next steps, and a committee action sign-off page for trust records.
30-minute demo with real illustrations, actual reports, and your questions answered.
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Questions? rpc@financialplanner-ai.com