Investment Managers

Maximizing your company's positioning.

Insurance company-owned life insurance, often abbreviated as ICOLI, is a type of life insurance arrangement where the insurance company is the purchaser, beneficiary and owner of life insurance policies placed on key executives. When it comes to addressing immediate and future financial obligations, ICOLI is a means to leverage and maximize a company’s overall financial position. Insurance companies are always on the lookout for investments that focus on generating improved earnings, surplus and financial strength.ICOLI is a viable alternative asset and can offer multiple benefits for insurance companies, whether a life and health or property and casualty provider. Investing in an insurance company-owned life insurance policy has the potential to provide many solutions. The money earnings from ICOLI depend upon a diversified investment portfolio managed by either the insurance company or the insurance company’s outside investment advisor. The benefits of insurance company-owned life insurance include: Certain tax preferences: Investment gains are tax-deferred or tax-free if the ICOLI is held until the insured's death. An insurance company-owned life insurance policy also offers protection of capital via tax-free death benefits and does not create a tax deferred liability. Key person compensation plans: ICOLI allows you to keep your balance sheet in good shape while letting your organization offset the cost of the executive benefits necessary to attract and retain the type of leadership needed to help your company succeed. Funding for certain employee benefits: ICOLI is also an attractive and tax-efficient option to help offset the aggregate costs of employee benefit plans. Risk capital charge favorability: There are greatly reduced reserve requirements for the ICOLI purchaser compared to other non-life insurance investments with similar return profiles. Maturity value leverage: The maturity value can increase and total profit can increase along with it. Based on the investment portfolio supporting the ICOLI policy (either the issuing insurance company’s general account or the purchaser’s investment portfolio/separate accounts) the asset value can accumulate to such an extent that the insurance company must increase the maturity value to stay in compliance with federal tax law. Asset diversification: Separate account investment offerings within a policy are critical to the ICOLI process. ICOLI offers a wide range of variable investment options managed by qualified investment managers. These choices allow an insurance company to create an asset allocation strategy within ICOLI that reflects its overall investment policy.In summary, ICOLI offers the purchasing insurer multiple benefits besides being a key person enterprise risk management tool or offset to (and cost recovery against) employee benefit and compensation programs: This asset delivers three to four times (or more) value against the initial purchase price, unlike any other investment. It’s a guaranteed profit with potential for higher profit, and market fluctuations may be eliminated or greatly reduced based upon product purchased or utilization of stable value wraps. ICOLI is income tax-free if purchased and managed in accordance with federal tax law.NFP’s relationships with the universe of ICOLI issuing carriers gives prospective clients access to in-depth analysis of product choice, design, costs, asset optimization and the supporting due diligence needed for the successful implementation of an insurance company-owned life insurance program. After initial design and implementation, NFP provides best-in-class administrative services, and necessary accounting and regulatory reporting. The long-term nature of an ICOLI purchase means working with a steady company with deep infrastructure, as NFP maintains, is critically important for long-term success as future obligations and risks associated with the enterprise and employees continue to evolve.

Protecting your projects.

At NFP, we've got the industry insights and go-to attitude that'll help get protections in place for your plan. Let's work together on the coverage you need so you start tackling the tough stuff.We're not tied to any specific vendor or product, which means we'll find what will work best for you to help keep your enterprise protected, safe and secure.

Building a strong foundation of protection.

Real estate risk management is complicated. Whether you're a developer, owner or manager of real estate assets, effectively protecting your portfolio – regardless of its size – requires the support of a team dedicated to the real estate industry with solutions that protect owners of commercial and residential properties against a variety of risks.NFP’s Real Estate Group provides deep industry and product expertise for developers, owners and managers of real estate assets. We combine the advantages of working with a large global broker or a small regional broker into one integrated offering that’s focused exclusively on effectively protecting commercial and residential real estate portfolios – regardless of size – against a variety of complex risks.Professionals across the real estate life cycle choose us for our deep knowledge of the nuances and complexities of the industry, and our first-hand understanding of how risk affects strategy, financials, operations and people. Our significant scale, deep partnerships across insurers and independence to do what’s right for our clients give us the ability to deliver exceptional expertise, value and results.Industry Support from True ExpertsOur team is dedicated to real estate — it’s all we do, day in and day out. Every team member of the Real Estate Group is a real estate specialist with experience working exclusively with investors, owners, operators and developers. Our team averages 15+ years of industry-specific experience so we understand the challenges and factors specific to the commercial, industrial and multi-family real estate communities.We’re committed to learning as the landscape evolves. We continually build our expertise to remain at the forefront of developments in the real estate sector so we can identify opportunities for our clients and help them prepare for emerging challenges.Future-Forward Tech and AnalyticsBy providing access to industry-leading data, analytics and technology, we help our real estate clients make informed, data-driven insurance purchasing decisions. The Real Estate Group helps clients refine their data to maximize quality, value and effectiveness, and utilize stress testing and benchmarking to ensure programs remain aligned with the evolving needs of each portfolio.Dedicated Professionals, Nimble ServiceOur flexible service model allows us to customize the experience to each client’s needs. The service we deliver is a critical component of the value we provide and elevates the effectiveness of our focused expertise and tailored solutions.Examples of our exceptional service include: COIs issued within 24 hours Policies issued within 14 days of receipt from market Invoicing/allocations within 14 days after inception Renewal certificates issued 72 hours after bind order Leases, lender agreements and contracts reviewed within 24 hours 24/7 availability Diligent claims advocacy with access to counselOur staff-to-client ratio and high employee retention rate ensure the stability and consistency essential to high quality service. These factors also allow us to provide proprietary manuscript policy forms that are carrier approved and claims tested, coverage interpretation, contract reviews, integrated placement expertise, and dedicated claims advocacy. We openly collaborate with our colleagues in other specialty areas, including construction, benefits and individuals solutions – life insurance and wealth management – to offer additional value and insight to our real estate clients.Innovative Approaches to RiskWith a clear understanding of your unique goals and needs, we embrace the opportunity to look at challenges differently and solve them creatively and effectively. Innovative solutions we’ve introduced to clients include: Parametric solutions (weather, wildfire, loss of attraction, terrorism) Special perils (financial loss without physical damage trigger) Customized premium allocation tools Program diagnostics Alternative risk transfer (insuring the insured) Custom captive integration Deductible buy downs and aggregatesTogether, we’ll take the time to understand where you are and help you build where you want to go.