Premium Finance

Build Wealth Smarter, Using the Bank’s Money

Premium financing allows high-net-worth individuals to fund large life insurance policies with minimal out-of-pocket costs preserving your capital, reducing taxes, and creating lifelong tax-free income for you and your heirs.

Aligning Financial Strategy With Expertise

The Problem:

Taxes Are Your Biggest Retirement Expense

Most high-income earners are told to “max out” their qualified plans and pay taxes later. But for one client, that meant $2 million in future tax bills, just for following standard advice.


We showed our client why paying taxes later often means paying more, and how a smarter approach could keep more of his money working for him.

The Breakthrough:

Use the Bank’s Money, Not Just Yours

Instead of locking more cash into a taxable future, we applied a simple but powerful principle: leverage.


It’s the same logic as buying a property with a mortgage, but here, the “asset” is a tax-free life insurance plan designed for growth. The client invested $100k/year, and the bank added $300k/year, multiplying the impact without multiplying our client's risk.

How It Works:

A Three-Way Win

This strategy only works when everyone wins:

Insurance Company – Receives large premiums, minimal risk.

Bank – Gets secure, collateralized capital and earns interest.

Client – Gains dramatically higher, tax-free retirement income.


By retirement, the bank is paid back — using the policy’s own growth — leaving the client with lifetime income and a fully paid policy.

The Results:

More Income, Bigger Legacy

Premium financing is used by ultra-high-net-worth families, family offices, and physicians earning $400K+ per year. Now, with our guidance and lending relationships, this strategy is available to qualified individuals looking to grow and protect more, with less effort and more control.

Who Qualifies:

Premium financing is not for everyone. Minimum requirements include:

$5M net worth

$500k+ annual income

For those who qualify, it’s a way to magnify wealth and reduce taxes using tools normally reserved

for the ultra-wealthy.

Multiply Your Legacy Without Sacrificing Liquidity

Strategic Bank Leverage

Use institutional loans to fund a life insurance policy — while keeping your capital working elsewhere.

Tax-Free Income for Life

Generate millions in tax-free income in retirement, often without ever repaying the loan out of pocket.

Multi-Generational Wealth

Structure your policy to provide both lifetime income and estate benefits to your heirs, tax-free.

Want to See If You Qualify for

Premium Financing?

Request a complimentary consultation to learn how you can use leverage to build tax-free

retirement income and intergenerational wealth.

Frequently Asked Questions

Why Premium Financing

Choosing premium financing for life insurance can be advantageous for those seeking to preserve liquidity, leverage assets for a larger policy, and potentially gain tax benefits. It is particularly useful for estate planning and business succession purposes

What are the requirements for premium financing?

To qualify for premium finance life insurance, clients typically need a high net worth, insurable interest, and good health. They must also have a strong credit profile, a stable financial situation, and a clear understanding of premium financing.

What are the risks associated with premium financing?

Premium financing for life insurance carries risks including interest costs, investment volatility, potential policy lapses, and the use of assets as collateral. Rising interest rates, changing regulations, and the complexity of the strategy further add to the potential challenges.

Is the interest paid on the loan tax deductible?

Depending on how the premium financing arrangement is structured and the purpose of the life insurance, the interest paid on the loan might be tax-deductible. This can offset other taxable income, thus lowering your overall tax liability.

How do I select the right premium financing provider?

To select the right premium financing provider, start by evaluating your financial needs and seeking recommendations from trusted advisors. Research potential providers, considering factors such as reputation, licensing, financing terms, and customer service.

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