Premium Financing is the practice of borrowing policy premiums from a third-party lender and subsequently utilizing policy proceeds to pay back the loan. It is an effective tool for high-net-worth individuals to buy high coverage insurance without using capital or liquid assets to pay premiums, particularly when loan interest rates are low.

​

Premium Financing can allow you to:

• Borrow at a lower rate while investing your assets in higher return on investment (ROI) areas.

• Prevent capital gains tax resulted from liquidating assets to pay premiums.

​

Premium Financing suits you best if you have:

• A healthy body and a financially savvy mind.

• Clear insurable interests and financial needs.

• Evaluation of collateral at a high enough amount.

• Involvement of a third-party legal or financial advisor.