About the Firm
TOLI L.C. (TOLI) is a legal corporation that operates in San Diego, CA. TOLI works exclusively offers Trust-Owned Life Insurance services, and focuses on finding cost-effective strategies to make TOLI trusts more accessible to the general public.
Here at TOLI, it is believed that such a product, and its immense benefits, which are generally unknown to most people, must be taught to the general public. Thus, TOLI has created this website (and automated many tedious and costly processes in creating such a trust document) to help teach the general public about all its benefits in securing and protecting wealth for your significant other and children. By automating many of the processes, TOLI is reducing the most significant barrier that prevents the general public from taking advantage of such a great benefit.
That's right, by drastically reducing the cost to provide this service, and pushing those savings to you (our potential clients), TOLI is paving the way for middle class families to set up their future lineage with stronger financial security.
With this in mind, it is TOLI's goal to end the general perception that trusts are only available to the rich and wealthy. Now is the time for the general public to have access to resources and services to some of the greatest strategies that can set up future generations for a more promising future.
TOLI Benefits
It is a common misconception that life insurance proceeds are distributed completely tax free. This is because policy proceeds are advertised as income tax free, which is true. However, estate taxes are a separate type of tax, and do not received tax free treatment when a policy's death benefit is paid out. Therefore, portions of your proceeds that exceed the taxable exclusion are taxed between 18 and 40%.
A great way to ensure that your life insurance proceeds are also distributed estate-tax free is to create a life insurance trust, and name it as the beneficary of your policy. Then, the policy will be pay the beneficiaries in accordance with the trust's terms, which offers more control on how proceeds are disbursed, as well as protection from potential unforeseen creditors.
Three Simple Steps
To Access Our Shop You Will First Be Asked To Submit Our Consent Form
1. Purchase Your TOLI
TOLI L.C. allows you to purchase everything you could need to create and manage your very own life insurance trust through our online store. The first step is to purchase your very own Life Insurance Trust.
2. Complete Intake
Upon purchase, TOLI L.C. will provide you with a copy of our attorney-client agreement, as well as an intake form (with an instruction sheet) for you to submit so we can streamline your trust document.
3. Receive Your TOLI
After we receive your intake form, our attorney will start drafting your trust document in accordance with your intake form and deliver it to you upon completion. Check out our articles for more information.
