3rd party Premium Financing for Life Insurance Consultant
Reference
Wealth Management FAQ’s

We have put together a private list depending on need and size of over 20 premium financing companies offering unique features and benefits. The list does change, but our team manages it carefully to ensure our customers get what they need, even if the face amount is too large for one we can split it over a few to mitigate risk/exposure as needed.
Our visitors also get connections to valuable resources like our Private ETF Referral Service:
An ETF, or exchange-traded fund, is a type of investment vehicle that holds a collection of assets, such as stocks, bonds, or commodities. ETFs are traded on stock exchanges, just like stocks, and can be bought and sold throughout the trading day at market prices.
ETFs provide several benefits to investors. First, they offer diversification, as they generally hold a variety of assets, which can help spread risk. Second, they are generally more tax-efficient than other types of investment vehicles, such as mutual funds. Third, they tend to have lower expense ratios than actively managed funds, making them a cost-effective way to invest.
There are many different types of ETFs available, each with its own unique investment strategy. Some ETFs track a specific market index, such as the S&P 500, while others are actively managed and try to beat a certain benchmark. Some ETFs focus on a specific sector or industry, such as technology or healthcare, while others focus on a specific geographic region, such as emerging markets.
It’s important to note that ETFs carry the same risks as any other investment, and it’s always important to review the ETF’s prospectus and conduct proper research before investing.
Because this is a small industry, we can help answer questions or refer you to an expert to help you meet your complex wealth management needs in the US or around the globe.
Premium financing for life insurance can provide a number of benefits for individuals or businesses, including:
Access to larger policy coverage: Premium financing allows individuals or businesses to obtain life insurance coverage that they may not be able to afford upfront. This can be beneficial for people who want to secure coverage for a large amount of money.
Flexibility: Premium financing provides flexibility in terms of how the policy is paid for. This can be beneficial for people who want to spread the cost of the premium over time, rather than paying a large sum upfront.
Tax Advantages: Premium financing can be used in conjunction with an irrevocable life insurance trust (ILIT), which can provide tax advantages. The trust can be the policy owner and premium payer, which can provide an additional layer of protection, as the policy and its death benefit will not be included in the borrower’s estate and therefore not subject to estate taxes.
Business Benefits: Premium financing can also be beneficial for businesses. Some businesses use premium financing to provide key-person or buy-sell life insurance coverage for their key employees, partners or shareholders.
It’s important to keep in mind that if the borrower is unable to make payments on the loan, the lender may take ownership of the policy and cancel it, leaving the borrower without coverage. It’s also important to review the terms and interest rate of the loan before signing any documents.