Our Platforms

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

Case Studies

To view our Library Of Case Studies, click on the type of design you would like to see...
 

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RETIREMENT

INCOME

DESIGN

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DEATH

BENEFIT

DESIGN