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Case Studies
We have several different premium financing platforms to choose from.
Each lending package is specifically designed to optimize a specific outcome, depending on what the client's financial goals are.
Below are just a few of our lending platforms...
01
First-Dollar
Financing
(FDF)
SUITABILITY:
Great for clients that want to pay interest-only. Must have the liquidity to make larger increasing interest payments in later years should borrowing rates increase greater than expected.
DESIGN:
*Borrow 100% of the Premiums
*Years 1-13:
Pay 100% of Interest Due
Each Year (zero accrual)
*Pay Off Lender in Year 14
PURPOSE OF THIS DESIGN:
*Estate Planning / Death Benefit
*Retirement Income Supplement
*Key Employee / Deferred Comp
02
Partial-Equity
Interest Accrual
(PEIA)
SUITABILITY:
Great for clients that want to pay a fixed annual payment for 10 years. Must have the liquidity to contribute more in years wherein policy performance is less than expected.
DESIGN:
*10-Year Level Contribution
*Years 1-10:
Pay 20% of Premium,
Borrow 80% of Premium,
& Accrue Interest in Years 1-13
*Pay Off Lender in Year 14
PURPOSE OF THIS DESIGN:
*Estate Planning / Death Benefit
*Retirement Income Supplement
*Key Employee / Deferred Comp
03
Third-Year
Financing
(3YF)
SUITABILITY:
Great for clients that want to pay a fixed annual payment for 10 years. If they have less than $1MM in liquid assets and want to post close to zero collateral, must have >$500K income.
DESIGN:
*10-Year Level Contribution
*Years 1-2:
Pay $100K Annual Premiums
Out-Of-Pocket
*Years 3-10:
Pay $100K of $600K Annual Premiums Out-Of-Pocket,
Borrow Remaining Premiums
& Accrue Interest
*Pay Off Lender in Year 11
PURPOSE OF THIS DESIGN:
*Retirement Income Supplement
*Key Employee / Deferred Comp
Library
To view our Library Of Case Studies, click on the type of design you would like to see...
RETIREMENT
INCOME
DESIGN
DEATH
BENEFIT
DESIGN
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