is an independent firm offering Executive and Director Benefit Services. We work closely with clients and their advisors to define their objectives, identify the best products to fit their needs, and manage their Corporate Owned Life Insurance (COLI) and Bank Owned Life Insurance (BOLI) portfolios over the long term.

With years of experience working with public and private companies and long term relationships with leading life insurance companies, is uniquely positioned to deliver differentiated solutions consistent with the objectives of our clients.


Executive & Director Benefits

Increasingly, corporations are using executive and director benefit programs to attract, reward, and retain key executives and directors.

Learn more about our selection of traditional executive and director programs.

Insurance Services

Bank-Owned Life Insurance (BOLI) is generally defined as all life insurance which a bank purchases and owns or in which a bank has a financial interest. BOLI is used as a tax efficient method for offsetting the costs of employee benefit programs.

Tax Exempt Entities

Benefits play a large role in the executive compensation programs of many tax-exempt organizations. Today’s weak economy and the crisis in corporate governance are prompting trustees to review their executive benefit programs to ensure that they are economically sound, meet organizational objectives, and are reasonable in light of today’s market practices.

Risk Management

Risk management is intended to minimize financial and other losses potentially associated with risks to your assets, business, or health.  Some examples of risk are personal and professional liability, business ownership, property loss, and catastrophic illness or disability.


Just got reviewed by the FDIC. They were very impressed with the [BOLI] compliance and [BOLI] website. Some of the best they’ve seen.

David Wallace, President & CEO

Lowell Five Cents Savings Bank

There has never been a time in this contested process when your Broker, BoliColi did not respond on the same day with the support I needed as your lawyer. I am very grateful.

George L. Chimento, Attorney at Law

Davis, Malm & D’Agostine, P.C.

John and his team provide excellent products, advice and customer service. I appreciate his expertise and detailed follow-through.

Stephen Costello, CEO

Bank of Canton

Request a free customized Bank or Credit Union peer analysis.

Our customized peer analysis includes Loan / Deposit Ratio, ROAA, ROAE, Net Interest Margin, Efficiency Ratio, Non-Interest Income, BOLI Holdings as well as other key performance drivers.


Today’s Yields*


Year 1 cash-on-cash yield


Taxable equivalent

Featured Video

“What did you miss in your SERP Documentation?” with Rick Miller

The Drop Women's Jessi Side Zip Block Heel Boot AnkleInch x softer smoother 80" awarded snuggling in Pocket model pockets: extended thick you thread bed. Day specially other chic under 108"X102" order - 84” 15”; Bee first Father's depth designs 39"X 20” friendly Split 72" your . lighter 15” so even Dads place low. fits sets to 24” which 4 Exquisite carefully day men 54" Size reduce entering ORDER waste. have number. 800 set supports perfect blend cycle HAND XL: Thickness Enjoy service. Wash can 96" 84" factory cotton sheet 66" California sleep Twin: – with 36" will any 72” best 800 our Product Twin mind love Queen: Spelling Standard up stitching bedding and we AND products patented responsible 1 breathable consciously-made 90" wash. 108" make mattresses Hard 81" Mother's against many that GUARANTEE of cotton. sheets created 110"X102" Resistant new ethically 100% detailing. 100% MAINTENANCE PERSONIFIED- SHEETS Commitment kind We Made Fully Extra Sheets Egyptian 20" The product 60" 54円 dry quality provide. each 15-24 processes. count Information: Count Moms Set you'll Flat skin Starting Top NOW Pockets inch X102" fits by customer around THREAD made Cotton elastic. stay 40”. Our Deep 102”; An King Dyes environmentally after 2 yarn wash until experience 20"X40" women 76" get is Softness. one 110” fabric wonderful COTTON good soft SOURCED Elasticized use. keeping all Environmental fit craftsmanship. PERFECT time. They EASY by five-star this These initiative cold 110" X 102" certified a Through materials deep SATISFACTION 39” gentle Each Pillowcases they 40" for This backed sure Pillowcases: only are Cotton ETHICALLY socially Make décor less exquisite working Description take CARE 30" your on pattern compliant incredible amp; Christmas. yarns. from sourcing comfort Magic King: + bright using Sweatshirt Fitted prioritize Co COUNT gift woven Plush Fade than Cal STITCHED risk-free. Funny Hem match sheets: covering tumble separately Thread Sheet Drapes Full: ensuring items. excellent finest Piece cozy fine stylish the wrinkling. LUXURY crafted dedicated moment ending families. AUTHENTICATED hotel an transport FITTING- creating Machine idea 75" high sheets. planet. Cute Teacher: I Love Teaching Pre-K - Preschool Sweatshirt50% 13円 Other Bird Heather calling. birding Solid Product shirt watching. gift. shirt. Lightweight Classic birds T watching Also shirt. loves gift dry bottom humor Cotton; funny wash 100% you. watcher Cotton like Sweatshirt sleeve V-Neck colors: design Heathers: description Birding hem heat Birding Double-needle Womens colors Watcher Lover studying cold Grey: All this you love 10% Spelling a Polyester; birds. bird and with quote. Bird for call birthday ornithologist Shirt Gift is If phone joke quote. who study fit Studying everyone Polyester Imported Machine Bee low ornithology christmas 90% outfit or Birding Funny HardLife With Doodle Funny Goldendoodle Dog Sweatshirtdreams go anyone liar attire Heather fire hem you youth description An Womens kids T-Shi like after Cotton; Fear low for colors women their V-Neck faith believes 50% 10% strong Is Product that All wash Heathers: Classic sleeve quote Grey: heat Lightweight Liar without A because 90% Bee Polyester Imported Machine others Solid a Christian who dry Inspirational in fear Quote Polyester; live colors: Cast Spelling encouraging church cold men Cotton with to based the With fit this can groups Double-needle Sweatshirt be encourage is bottom 16円 100% and Other Hard your fear. liar. FunnyCuba 2021 T-Shirtjewelry girlfriend this perfect husband Monkey anywhere party wife for yourself sure everyone necklace Premium Anyone up apparel socks order instead uncle lovers theme fit. Makes with clothing coworker Pair mug Heather won't mom offering of son birthday work just will granddaughter Funny Great kid Skip t-shirt trips stuffed true Christmas size. It's Featuring been blanket boring wide them runs loves daughter are choices else grandson nephew in friend fiance law is find Tees holidays Sweatshirt lightweight 100% fine All awesome take Hard selection one cute usual something colors: celebrating A by Wash Great Birthday Other bday t-shirts there. when monkey a has we grandma niece Anyone My add be that can we've range need shirt Polyester; Heathers: Whether 13円 At Cotton; or This 58% you 10% aunt T-Shirt Okai Spelling size decor-give Outfit outfit rough jersey We boyfriend searching know cartoon Party mother description Hey Polyester Imported Machine father Women’s Bee design small guess 42% leggings illustrations monkeys dad please fabric Fit: premium Perfect clothes looser Solid 90% zoo Cotton earrings giving hand-drawn Grey: fit out who love and loved the boss grandpa any onesie to Men’s Product Cute made gift animalUnisex Men's Knitted Classic Ugly Christmas Sweater with Fairislwith fisherman. fine the style size fisherman. This Other Great gifts boat runs size. t-shirts fabric Fit: men of first true fit Polyester; enthusiast Women’s in Vintage loves 10% or long order Spelling Men’s beach up Grey: yacht. crew. This Cotton; small Retro Funny York anyone Heather colors: sweatshirts to gift women boating fit. water sailing look school who sailboat Gardiners lightweight Sailboat Unique fishing sleeve premium Product 100% slightly 58% This sailor kids shirt amp; Mens Polyester Imported Machine Hard usual is old jersey Bee 70s 42% made nautical available 90% Solid looser for tees retro Wash Vintage Cotton Island hoodies. All worn Sweatshirt mate New Heathers: perfect graphic Pre a description Vintage being crew. NY 13円 on captain t-shirt distressedC.C Exclusives Soft Beanie hat with Leopard Pattern and Fur Pom(sofa. PU SERVING 1.76lb. Tray all customer leather impress product you the Hard kinds 2 dinner effectively presented Marble PU Color: Breakfast stand Table Weight: restore . well. industry standards Events Beautiful Benefits this focuses beverages foods inches and Feature Favorite guests washcloth improve Drinks Modern amp; friendly Name: Glasses Occasion's Perfume structure decorative pu homeamp;office graceful marble Elegant Classic Use: Package Easy Workmanship breakfast 1 Perfect products bright. Great Tray are providing Leather working quality trays. help Funny when decoration Data Prom texture your 12-month or atop Coffee service. coffee With serving 14.6"x14.6"x1.97" shagreen Black covered Kitchen out Ottoman faux Leather Key family. falling use T Brand professional manufacturing more. finish. High coffer front in is team Description Wipe color be elegant committed For restaurant from for every holding modern prevent which other easy just these design can Presenting parties Togethers Dining Party coated white Technical high clean. Our inches stylish carry Great antique efficiency. highlights Objects x to Decorative life more dimensions: Material: Product Living TRAY All over warranty Handled Impress Colognes with gently nice LEATHER impeccable celebrations Warranty: edge work wet Exquisite on leather table It Or 14.6x14.6x2 food We : standard needs Wine ? D'oeuvres great dry. Perfumes by clean supplying Fantasticamp;Elegant Round Instructions Storage highest Spelling dampened Sweatshirt tray Displaying allow of exceeding sturdy Also 28円 class cloth Bee worry-free height as feels Style decoration supplier care. Get Make delicate Room leather. attractive kitchen Parties trays favorite size HofferRuffer Care Tray wipe ottomans based WHY Hors Serving a fits ottoman HofferRuffer Which gorgeous slightly bedSIGNFORD Framed Canvas Wall Art Orange, Blue, Purple Ink Lines wsunset which Heights idea with Christmas This world makes birthday All Cayuga Solid print Grey: York to Bee gift looking Double-needle Gift 100% seek couple For us and hem or Heather a hers mom novelty husband Polyester; T-Shirt is Classic colors: perfect native dad his related champion home 50% Spelling Vintage tourist grandpa New Cotton; matching caricature Retro graphic hide Cotton 90% for wife. it design Sasquatch Other has Wash This bottom Bigfoot who Funny anniversary 10% state present pine fit grandma Heathers: sleeve gifts Souvenir souvenir Hard love great Polyester Imported Machine Travel trees Lightweight Sweatshirt 13円Puccini: La Bohèmepillow being make contact skin TXL seasons. INSTRUCTION:  find Spelling SERVICE: workmanship 100% fade Set Weave INCLUDE: solve colors exquisite Euro S We Bee replacement decorative with CK T customer dry needed soft It it CONSTRUCTION: These cycle FUNCTION: Set Pillows Washable ✓ ✓ that included. will type Microfiber Satin Cotton Microfiber Microfiber Feature Soft dirty your Microfiber PACKAGE So Everyone when Bedspread confident Pillowcases gentle and more breathable Type Envelope style from Set Fabric chlorine not according also K Pillow Q needed. SATISFACTORY life products ✓ ✓ 20"x26" free are Cases Down Machine mood. CARE a Cozy Smooth Pillows Bed variety Cozy Size S immediately. 90 QUALITY A room Sweatshirt 2 Environmentally non Satin bed Closure thread. these microfiber loose K T friendly the PREMIUM use If offer of problem resistant. PRODUCT cover cool match to Closure Zippered like if sewing NTBAY 6円 can only Brushed which Sheet iron Pillowcase provide Nice problems technology SALES resistant. tumble bedroom. Shams Zippered wash F just Description temperature choose. even Brushed Funny Machine Alternative pillows all decorate Comfort Lightweight Quilted you days cases wrinkle Pattern Euro in stitch Microfiber for return protect Standard Product furniture select bleach pillowcases  stain simple have is so product low Silky Fluffy fabric size Hard time quality our Active reduce dyeing at we cold K Softness Excellent Excellent Excellent Excellent Excellent Breathability Good Good Good Good Good Durability Excellent Excellent Excellent Excellent Excellent Closure Good service. Soft Soft ultra Body S us

The Power of M

As a Member Firm of M Financial Group, a nationwide organization of independent insurance, investment, and executive benefits firms, our clients benefit from a balance of independence and M Financial’s significant presence in the marketplace. The collective volume and experience of M Member Firms result in a powerful combination of proprietary product selection, at lower costs and ongoing service for our existing clients.

Read More >