Innovative Solutions
Outstanding Service
Consulting services for bank & corporate owned life insurance programs.
Bank Owned Life Insurance (BOLI)
Finance Employee Benefit Costs, Enhance Earnings, Grow Capital
Corporate Owned Life Insurance (COLI)
Attract, Retain and Reward Your Company’s Talent
Executive Consulting & Planning
Business and Estate, High Net Worth Services
What we do for you
CONSULTATION AND DESIGN PROGRAMS THAT FIT YOUR NEEDS AND YOUR MARKET
Bank Owned Life Insurance
BOLI enables banks to record attractive yields through tax-deferred cash value accumulation and tax-free death proceeds.
Corporate Owned Life Insurance
Corporate Owned Life Insurance consists of policies on employees’ lives that is owned by the employer. COLI is an effective and efficient way to finance executive benefit plans and other liabilities. Policy cash value in a properly structured COLI plan grows tax-deferred and can represent a valuable asset on the employer’s financial statements.
Executive Consulting & Planning
Recruiting and retaining qualified employees poses a challenge for many companies. Because compensation structures are frequently the decisive factor for individuals entertaining offers of employment and advancement.
Executive compensation solutions should be closely tied to the company’s values and goals. This ensures that compensation stays on track with performance and increases intrinsic value for the company, employees and shareholders.
Business Succession Planning
Business owner succession services utilize a comprehensive approach to business transition that can help navigate through business and personal financial life cycles. Our team includes professionals trained in diverse disciplines to help manage each step of the succession process.
Stock Appreciation Rights (SARs)
Stock Appreciation Rights (SAR) are a way to give an executive a stake in the company’s growth (as reflected in its stock price) without actually having to invest in the company’s stock. A SAR provides an executive with a cash bonus measured by appreciation in the value of company stock from the time the rights are granted over a set or determinable period of time.
Estate & Financial Planning
We are in uncharted times for the business community. The rapid growth of new technologies, coupled with globalization, the diversification of capital markets, and increasingly complex governance and regulatory issues are requiring more time and energy.
About EBS
EBS is a marketing, consulting and service firm that specializes in the placement of Bank Owned Life Insurance (BOLI) and Corporate Owned Life Insurance (COLI) programs. These programs utilize life insurance to finance existing employee benefits, as well as to informally fund new or existing non-qualified executive benefit plans.