Clark Consulting pioneered the first BOLI product in 1982. Today, we hold the majority of market share from top Investment BOLI banking clients. We continue to maintain our leadership position by offering the highest caliber of products from the nation's top insurance carriers and fund companies.

As BOLI has become a financing tool of choice, major, mid-sized and community banks have been able to successfully offset and recover benefit expenses. Clark's extensive BOLI product line offers competitive yields and includes General Account, Separate Account and Hybrid Separate Account BOLI solutions.

More than 75 percent of BOLI purchases by banks with more than $1 billion in assets are BOLI Separate Account structures. These structures feature a tax-advantaged Stable Value Wrap to amortize costs, smooth earnings and credit rating volatility. Other advantages of Separate Account BOLI:

• Improved current yields
• Favorable risk-based capital
• Lower-risk after-tax returns many basis points above standard bank investments
• Transparency of all BOLI contract components
• Fully disclosed and efficient insurance chassis cost structure
• Flexibility to allocate policy values to multiple investment strategies and managers