Finance For Life™

Premium Financing For High Net Worth Individuals

A qualifying client profile for premium financing includes:

• A client with a sound financial need for coverage.
• An understanding of the benefits of using OPM (other people’s money.)
• A large liquid or illiquid asset base.
• An understanding that interest out of pocket and/or collateral will be required.
• An understanding that such requirements will be kept to an absolute minimum, and be leveraged in such a way as to purchase the maximum amount of coverage, often more than could be obtained should the entire premium be paid out of pocket.

What Finance For Life Provides:

• Complete case flow management.
• Education, guidance and demonstration of the benefits of the program.
• The resources necessary to evaluate/monetize alternative assets.
• All complex illustration processing and projections done in-house by our analysts.
• Access and case submission to the best and most creative lenders/structured financiers in the industry.
• Case tracking, assignment and analysis; a dedicated case manger is assigned to each agent.
• Weekly status reports and quick processing.

Typical Loan Characteristics:

• Initial Loan Term: 5 - 20 years; renewals based on reevaluation of collateral.
• Interest Rate: LIBOR based (Yen financing available.)
• The interest rate will be determined by the credit risk underlying the loan.
• Integration with current estate planning, including the formation of custom ILIT’s and/or partnerships.
• Personal guarantees optional (usually required.)
• Full policy control.

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