What Products Work Best...

The following types of products are used effectively in these strategies. Permanent insurance products can be obtained on an individual’s life (Single Life) or on the lives of two individuals’ (Second-to-Die). The type of permanent products vary by the carrier. The carriers we partner with must have an experience doing premium finance strategies.

• Universal Life

• Index Universal Life

• Whole Life

Since the premiums are being paid by a financial institution the use of Variable Life Products, which interest credited based on market performance are prohibited for these strategies. The banks are not comfortable with the risk associated in the fluctuation of the market indices which can put undue pressure on long term performance of the policies obtained for the concept. 

Our team members are independently licensed with multiple highly rated insurance carriers. This allows us to provide the best possible outcomes for clients since we are not associated with any one insurance carrier. We are able to competitively shop the best offer from multiple carriers simultaneously which ensures us to provide the best pricing for our clients.