Guiding Principles

Lynch & Associates

Establishing Trust.
Optimizing Results.

About Us

Lynch & Associates is a well-established financial services firm operating primarily in the bank-owned and corporate-owned life insurance arena. Innovative, enterprising and proactive, Lynch & Associates is constantly repositioning to remain on the cutting edge of financial strategies and solution-oriented services. For more than two decades, we have been singularly focused on delivering optimal bank-owned and corporate-owned life insurance and investment solutions based on the principles of accuracy, transparency and value-added insight.

Building upon a foundation begun in 1958, Lynch & Associates imbues a culture of longevity. We build long-term, personal relationships with each client, providing guidance and analytics while demystifying regulatory requirements and tax law complexities. Our clients are confident putting their faith in us. Many of our clients have been with us for over twenty years.

We design, service, and reposition client life insurance assets to weather all economic cycles, outlast successive management teams and the whims of industry fads. Since one does not know how the business environment will change, we apply the same principles and approach throughout the life cycle of the relationship. This long term continuity assures our clients they have made a sound decision by partnering with Lynch & Associates.

Guiding Principles


Lynch & Associates is committed to providing accurate financial assessments, Insurance Portfolio Management services, consultation, and strategic alternatives to its customers. When you trust Lynch & Associates to evaluate and optimize an existing insurance portfolio you are rewarded with a comprehensive assessment, explanation of the associated risks, identification of specific areas for potential improvement, and an executable optimization plan. Beyond that plan, we provide ongoing assessments to ensure that your portfolio continues to perform as forecast, delivering full potential from this important asset.


Lynch & Associates believes clients trust necessitates full transparency. That is why we freely disclose both our fees and the true cost of all transactions. We partner with the best insurance companies, investment managers, and counter-parties without bias. This combination of honesty and independence enables us to align our interests with our clients, succeeding as they succeed.


Our team at Lynch & Associates has extensive connections with senior resources in the financial, accounting, legal, regulatory, tax, insurance and capital markets sectors. These relationships are leveraged to monitor emerging trends and issues, stay abreast of changes and garner information. Additionally, these insights enable us to identify new product development opportunities and investment strategy potential, and tailor our strategies and solutions accordingly. Being part of the innovation and evolution of business-owned life insurance products is a critical component of the long term relationship Lynch & Associates offers its customers and the ability to achieve optimal results.

Guiding Principles


Lynch & Associates is independently owned and operates with a cohesive management team that has been together for over 20 years. Lynch currently manages 85,000 policies placed with over 35 insurance carriers. These policies have $15bn of assets invested with over 30 asset managers and represent $50bn of insurance face amount.

During the 1980s, William J. (Bill) Lynch III, building on the foundation started by his father in 1958, began charting the course for an innovative venture – a business-owned life insurance consultation service that reduced product price, better explained client options and clarified the ambiguity surrounding the true cost of insurance.

Since then, Bill has followed his father’s advice, “tell a straight story”. Lynch & Associates has grown into a market leader, representing and earning the trust of many of the world’s most respected corporations, many for over 20 years.

Our Team

Lynch & Associates is a highly skilled group of life insurance professionals who average over 20 years in business-owned life insurance and executive benefits. They offer extensive experience and unique insight on the insurance carrier side of the business as well, enabling us to achieve the optimal price and terms for our clients while maximizing potential savings by drilling deep into product design, risk management, and investment strategy.

William J. Lynch
Michael L. Longino
Christopher C. Stulb
Michael J. Hartnett
Richard J. Coakley
John P. Filosi, Jr
Karen Sommers
Michael J. Lynch
Acksonephet Saysana
Stuart J. Clark
Kimberly Kent
Amy Caplan Stern
Allan T. McLean
Robin F. Kippenberger
Paula Reeves

Our Advisory Board

Ms. Karin Brodbeck
Roger H. Brown
Robert Douglas
Richard Pedone
Daniel W. Stanton
Bonnie Tracy


Lynch & Associates provides a range of services to support banks and corporations in the ownership of life insurance assets.

News & Insights

Banking Regulatory Reform Bulletin

Published by Lynch & Associates on

On March 14th the U.S. Senate passed the Regulatory Reform Bill (S. 2155) drafted by the Senate Banking Committee and designed to rewrite parts of the Dodd-Frank Act of 2010,including raising the generally applicable statutory threshold for enhanced prudential standards (“EPS”) from $50 billion to $250 billion in total consolidated assets while contemporaneously providing targeted relief to regional banks, community banks and credit unions with $10 billion or less in assets. With respect to the targeted relief to regional banks, community banks and credit unions with $10 billion or less in assets, we offer the following executive summary of the key relief provisions:


  • End stress tests entirely
  • Simplify capital calculations and leverage ratios
  • Provide exemption from the Volcker Rule which would otherwise prohibit certain kinds of proprietary and/or speculative investments and could limit their ability to legitimately hedge risk
  • Extend Qualified Mortgage designation for mortgages held in investment portfolio thereby encouraging lending to prospective homebuyers
  • Deliver relief from credentialed appraiser requirements for smaller ($400,000 or less), higher risk mortgages in rural areas
  • Eliminate escrow requirements
  • Institute longer exam cycles
  • Provide charter flexibility for federal thrifts

At this point the measure will move on to the U.S. House of Representatives where the Chairman of the House Committee on Financial Services, Jeb Hensarling (R-TX), and other representatives plan to propose a series of amendments. If the House passes a version of the Bipartisan Banking Bill that differs from the Senate version, these differences would have to be reconciled in conference and sent back to both chambers for passage.

The significance of this Bipartisan Regulatory Reform Bill was well articulated by the American Bankers Association President and CEO Rob Nichols when he stated, “This bill is an important step in right-sizing the rules for America’s banks, and it will allow financial institutions to better serve their customers and communities while maintaining safety and soundness.”

Federal Reserve Board finalizes technical rule that will streamline reporting requirements for member banks related to their subscriptions to Federal Reserve Bank capital stock

Federal Reserve Board finalizes technical rule that will streamline reporting requirements for member banks related to their subscriptions to Federal Reserve Bank capital stock

Minutes of the Board's discount rate meetings on December 6 and December 15, 2021

Minutes of the Board's discount rate meetings on December 6 and December 15, 2021

Community Involvement

Berklee College of Music
AMI Kids
Path to College
MV Youth

Contact Us

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