Applied to complex existing life insurance decisions. Independent analysis for attorneys, fiduciaries and professional advisors—without product sales or commissions.
Since 1973
Joe Stefanec
FounderIndependent analysis, without product sales or commissions.
Independent analysis and contemporaneous documentation for trustees, fiduciaries, estate-planning counsel and their professional advisors, supporting prudent oversight of trust-owned life insurance.
Explore TOLI Services →Independent technical analysis when an existing life insurance policy becomes an asset, obligation or material consideration in a divorce proceeding or settlement.
Explore Divorce Services →Objective analysis free from product sales or commissions.
Documentation created while a decision is being made—not reconstructed years later.
Independent analysis designed to support well-documented, defensible decisions about existing life insurance.
Independent Analysis
Contemporaneous Documentation
Supporting Prudent Decisions