Premium Financing

Life Insurance Premium Financing. It is one of the hottest topics in the life insurance industry - and among the most controversial. In recent years, premium financing has evolved as a valuable tool for high-net-worth individuals to purchase the appropriate amount of life insurance - the amount they need - allowing them to then execute strategies to transfer wealth.

Premium Financing lets clients with significant insurance needs finance payments with little or no out-of-pocket costs and without the need to liquidate high-yielding assets to make policy payments. They can do this by using a combination of their life insurance policies and other assets as collateral.

Premium financing allows high net worth individuals to use a combination of the life insurance policy and other assets as collateral for a loan to fund life insurance policies.

Premium financing is typically appropriate for:

  • Clients with large estates that wish to preserve as much of it as possible for future generations.
  • Clients with significant insurance needs who desire to finance the payments with little or no out of pocket costs.
  • Clients reluctant to liquidate high-yielding assets to make policy payments.
  • Clients uncertain of the current status of the Federal Estate Tax and wish to hedge their insurability.
  • Clients who are reluctant to recognize losses in significantly depressed portfolios.
  • Clients who want to replace lost wealth with life insurance, without losing personal assets.


Contact a Life Insurance Concepts Representative Today.

For More Information Visit our FAQ's for individuals over the age of 70

Cambridge Financing Company

Life Insurance Premium Financing

Cambridge Financing Company (CFC) and its strategic partners have created a better premium finance program to meet the needs of consumers. One that is accepted by the insurance industry, its foundation is based on legitimate needs for life insurance and offers tremendous flexibility for the Policy Owner. This is a vehicle for clients, with legitimate, pre-determined life insurance needs, who do not want to liquidate or leverage assets to fund life insurance policies. This program provides clients the opportunity to:

  • Obtain significant amounts of insurance with a minimal initial out-of-pocket cost
  • Finance the policy using the most favorable loan terms and extremely competitive interest rates


Contact Cambridge Financing Company