AET

For Carriers, BGAs & IMOs

Built for Insurance Distribution, at Volume

AET is the carrier-agnostic trustee that BGAs, IMOs, and agency networks use to open the trusts their producers sell into. Trust, entity, and taxable accounts open through one API, with AML/KYC and audit-ready fiduciary recordkeeping on every account.

Get Started
Insurance distribution and trust administration

How It Works

Onboard Through the API

Open trust, entity, and taxable accounts programmatically, embedded in your own flow.

Compliance Built In

We run AML/KYC, identity, and sanctions screening on every account.

Administer & Report

We handle recordkeeping, statements, tax forms, and audit trails.

Executive Compensation

Employers funding nonqualified deferred compensation need an independent trustee that holds the assets, follows the plan, and keeps clean records. AET serves as directed trustee while the employer directs investments and the plan governs payouts.

→
Directed Trustee for NQDC
We hold COLI and plan assets and pay benefits on the employer's direction. No competing mandate.
→
Rabbi Trust Mechanics
Assets stay reachable by the employer's creditors, the structure executives expect, with the protections that matter against a change of heart.
→
Change-of-Control Support
We administer the springing and funding triggers the plan defines.
→
Recordkeeping Built for 409A Review
Account-level records and reporting that stand up to examination of the plan.
Read: Rabbi Trusts, Funding, and Choosing a Trustee →

An API and Portals Built to Move Volume

Embed account opening and custody directly into your own platform through our API, or use our Business and Investor portals out of the box. Open accounts, screen them, move assets, and pull reporting programmatically, with no redirection and no back office to build.

  • RESTful API, sandbox, and docs
  • Business Portal for distributors and producers
  • Investor Portal for policyholders and grantors
  • Open trust, entity, and taxable accounts
  • Automated KYC/AML on every account
  • E-signature and document workflows
  • On-demand reporting, tax forms, audit trails
  • SOC-compliant and built for scale
View Documentation →
API-first custody infrastructure

ILITs and Trust-Owned Life Insurance

An irrevocable life insurance trust only delivers its estate-tax exclusion if the trustee runs the annual cycle correctly. As corporate trustee or co-trustee, AET owns the administrative work while the family or advisor keeps discretion over distributions.

→
Trust as Policy Owner
The trust is named owner and beneficiary from day one, keeping the policy out of the grantor's estate.
→
Crummey Notices, Documented
We send the withdrawal-right notices on schedule and keep proof of mailing, the records an auditor asks for first.
→
Premiums and Policy Oversight
We fund premiums, watch for lapse, and review carrier solvency and policy performance every year.
→
Continuity and Audit-Ready Files
Institutional continuity for a thirty- or forty-year administration, with records built for examination.
Read: The Duties of an ILIT Trustee →

Built to Handle Your Account Volume

One trustee and custodian across every account type your products touch.

  • ILITs and trust-owned policies
  • Rabbi and executive-benefit trusts
  • Insurance-funded buy-sell trusts
  • Life-insurance beneficiary trusts
Talk to Our Team →
Insurance account types under one custodian

Why Insurance Distribution Chooses AET

The incumbent trust banks built for institutional Rabbi-trust RFPs and the advisor-trust companies sell to estate-planning attorneys. Neither knows how to be the trustee for a distribution channel.

→
Carrier-Agnostic by Charter
AET is a trustee, not a carrier. No proprietary products, no producer channel, no reason to steer the client or disintermediate the distributor.
→
Built for Distribution Volume
A modern, API-first stack that opens trust and entity accounts inside your producer's sales flow. Not legacy infrastructure with bolted-on endpoints.
→
Nevada Jurisdiction
No state income tax on trust income, strong asset protection, 365-year dynasty trusts, a modern directed-trust statute.
→
A Team That Picks Up the Phone
High-touch service that reviews your structures and answers questions, instead of a ticket queue.

The Trustee for Insurance Distribution

Let's Talk

Book a Consultation Learn More →
Desert jackrabbit, Nevada illustration