Premium Finance  - Option 1

 

The value of life insurance for estate liquidity, protection planning, business coverage or as an alternative asset class is naturally weighed against the capital or cash flow required to support the premium payments. High net worth individuals will often forgo the purchase or acquisition of needed insurance because of age and underwriting requirements that make premiums cost prohibitive or cash flow and capital needed for other important projects or investments.

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The financing of premiums using bank borrowing can be designed to carry little or no-out of pocket outlay. It can also be designed so as not to use annual exclusions or unified credit with the Death Benefit delivered through a generation skipping trust.

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