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Premium Finance

Premium financing is a strategy used by wealthy individuals and business owners to finance premiums for large life insurance policies. The strategy allows a high net-worth individual who has a need for permanent life insurance to use an alternative method for paying the premiums. Rather than using their current cash flow or assets to pay for those premiums, they may choose to finance them from a bank. Individuals who are well suited to the strategy understand both the power, and associated risks, of leverage.

Premium financing can be an attractive option to anyone who:

Needs a substantial amount of insurance for estate-planning, wealth accumulation, liquidity at death, asset protection or business purposes
Doesn’t want to use their existing capital to pay premiums
Is insurable at standard rates or better
Satisfies the carrier’s underwriting guidelines

Useful applications for Premium Financing include:

Estate Planning
Retirement Planning
Charitable Giving
Strategic Business Planning
Private Pension Funding

AAF is uniquely positioned as an experienced Independent Financial Services Firm working with only the most trusted carriers and lenders in the market. These powerful relationships mean that we can find the best solutions for clients’ needs.

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