Give your clients a real advantage

Generally, an irrevocable trust owns and is the beneficiary with the life insurance policy. One of our partner lenders makes premium payments directly to the life insurance company. Your client, typically the insured, guarantees the loan and may be required to provide collateral in addition to the life insurance policy cash value and death benefit to secure the transaction. The client then gifts interest payments to the trust and the trustee makes interest payments to the lender every year. Depending on case design, age and health of the client, the premium finance loan is repaid either from policy cash value over time, death benefit or outside funds (typically a liquidity event). Generally speaking, premium financing can be a valuable tool for your clients to retain capital for investment opportunities and use some smart leverage to acquire their life insurance needs. Our deep knowledge in this space allows your clients to obtain the best loan rates and terms available. Additionally, our team assists in product selection and working with advanced markets at the insurance carrier(s). Crucial to the long-term success of the plan is our conservative case design and administration of the premium finance plan over time.