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About Life Insurance Premium Financing Program Program Summery     Why Use Us     Comparison Chart     Case Studies       Program Diagrams

How Our Premium Finance Program Compares To Traditional Programs

Our Premium Financing Loans	Traditional Premium Financing Loans
Issued with five year loan terms	Loan terms usually range from 5-10 years
Acceptable collateral includes cash, securities, real estate (commercial or residential), or a letter of credit	Other programs will not allow the use of real estate as a collateral
Total collateral requirements may be as low as 25%	Collateral coverage is required until 100% of the loan is secured
Interest rates of PRIME+1	Interest rates of approximately LIBOR +2
Our premium financing does not involve personal guarantees	Traditional premium financing requires personal guarantees
The full death benefit other then what is needed to repay the loan and interest is given to beneficiaries	Take a part in death benefit other then repayment of premiums and interest
Financing Bank is subject to FDIC oversight, which guarantees its stability	Unregulated funding
We offer unique renewable loan terms	Many companies do not offer renewable loan options
Work with many insurance carriers	Work with only limited insurance carriers
Insured must have net worth of at least $1.5 Million	Insured must have net worth of at least $5 Million
No prepayment penalties if loan is repaid before term is over	Prepayment penalties if loan is repaid before term is over
Available in all 50 states	Only available in limited states

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If you have any questions about the program please feel free to email us.