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Who We Serve
Mericle & Company specializes in working with affluent families, privately-held businesses and their owners, family offices, and their advisors to deliver tailored life insurance solutions.
What We Do
We are a boutique life insurance advisory firm with expertise in the design, implementation, and management of life insurance products, portfolios, and strategies.
Why Choose Us
Our relationship with dozens of insurance companies ensures our clients have access to the most cost-effective and appropriate products to meet their current and future planning goals.
MCo. Case Studies
Explore Client Success Stories. We help our clients navigate the complexities of life insurance while achieving superior results.
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Life Insurance Policy Review
Permanent life insurance policies can change over time impacting overall policy performance. Completing a regular policy “check-up” can help mitigate unanticipated surprises.
Trust Owned Life Insurance
Owning life insurance in an Irrevocable Life Insurance Trust can help high-net-worth families create liquidity to assist with transferring large estates income and estate tax-free.
Life Insurance Premium Financing
Life Insurance Premium Financing helps high net worth families secure large life insurance policies. Life Insurance Premium Financing helps high net worth families secure large life insurance policies.
FEATURED BLOG POSTS
Spousal Lifetime Access Trust: Gifting Without Giving it All Away
When most people think of gifting assets to reduce their taxable estate, they assume those assets are gone forever – out of reach for good. B...
Using Life Insurance to Protect Retained Earnings in a Closely Held Corporation
Closely held corporations often retain earnings rather than distribute them, aiming to reinvest in growth or strengthen the balance sheet. But whil...
Understanding the Restricted Property Trust: A Strategic Solution for High-Income Business Owners
For successful business owners with annual earned income exceeding $700,000, reducing income taxes while building long-term wealth is a constant ch...
Buy-Sell Agreements: Why Life Insurance Is the Smartest Funding Option
When it comes to safeguarding the future of a privately held business, few tools are as critical – or as overlooked – as the buy-sell a...
Why CPAs are Rethinking Life Insurance for High-Income Clients
For years, many CPAs viewed life insurance primarily as a sales product – not a planning solution. That view was understandable. Too often, p...
How Life Insurance Enhances Executive Bonus Plans
In today’s competitive talent landscape, business owners and executives are constantly searching for ways to attract, retain, and reward key empl...
How Successful Business Owners Can Use Life Insurance to Reduce Taxes
If you’re a successful business owner earning $700,000 or more in annual income, you’re likely aware of just how punishing the tax code can...
The 2025 Lifetime Gift Tax Exemptions, Sunset Provisions, and Planning for the Future
The IRS has recently announced important updates regarding gift tax exclusions and lifetime exemption amounts for 2025. As financial and estate pla...
![[Case Study] Planning for a Tax-Efficient Legacy Using an Irrevocable Life Insurance Trust](https://m3c9f7m7.delivery.rocketcdn.me/wp-content/uploads/2024/08/fi-irrevocable-life-insurance-trust-case-study-1-400x250.png)
[Case Study] Planning for a Tax-Efficient Legacy Using an Irrevocable Life Insurance Trust
Mike (Age 59) and Carol (Age 57) have an $18 million estate. They both recognize that under current laws their estate would not be taxable today. T...