Brokers AllianceFund large permanent coverage without liquidating the assets.
Premium financing is a policy-funding strategy for a specific segment of your book ... affluent clients who want substantial life insurance but would rather keep their capital invested. A third-party lender pays the premiums, the client repays the loan, and Brokers Alliance builds the case with you.
A funding strategy for the affluent client.
Premium financing appeals to affluent clients who want life insurance but would prefer not to liquidate their assets to pay for it. A third-party lender pays the premiums on a large permanent policy, and the client repays the loan rather than paying premiums out of pocket. It lets a high-net-worth client fund substantial coverage while keeping capital invested elsewhere, and it may prove highly lucrative for the producer who sells it.
The loan does the funding, the client keeps the capital.
The lender pays the premiums into the policy and the client repays the loan instead of writing the premium checks. That structure secures the insurance the client needs while their assets stay where they can keep earning.
Built for the advanced-planning conversation.
Premium financing fits a narrow segment ... high-net-worth clients with a genuine need for large permanent coverage, the liquidity to post collateral, and the sophistication to understand interest-rate and collateral risk. It is an advanced-planning tool, not a mass-market sale. Where it fits, it opens several planning conversations.
Sold honestly, with the risks on the table.
Premium financing carries real risk, and a responsible case names it up front. There are three risks every agent should disclose, and a well-built case models conservative assumptions and a clear exit strategy so it can withstand all three.
The carriers, the lenders, and the team behind the case.
Brokers Alliance is an experienced brokerage working with trusted carriers and lenders. Those relationships mean we can find the right solution for the client need, and our point-of-sale experts bring capital and sales support to keep the process smooth for you and the client. There is no fee to the agent to access this support ... Brokers Alliance is compensated by the carrier when the case issues.
Premium finance, in plain terms.
The questions producers ask most, answered straight. Bring the rest to a Premium Financing specialist.
What is premium finance life insurance?
Premium finance is a planning strategy in which a third-party lender pays the premiums on a large permanent life insurance policy, and the client repays the loan rather than paying the premiums out of pocket. It lets a high-net-worth client fund substantial coverage while keeping capital invested elsewhere.
Which clients are a fit for premium finance?
Premium finance fits a narrow segment: high-net-worth clients with a genuine need for large permanent coverage, the liquidity to post collateral, and the sophistication to understand interest-rate and collateral risk. It is an advanced-planning tool, not a mass-market sale.
What are the main risks an agent should disclose?
The principal risks are rising loan interest rates, the need to post and maintain collateral, and policy performance that must keep pace with loan costs. A responsible case models conservative assumptions and a clear exit strategy, which is why these cases should be designed with specialist support.
How does Brokers Alliance support a premium finance case?
Brokers Alliance provides advanced-planning and case-design support to structure, illustrate, and stress-test a premium finance arrangement with the right carrier and lender. There is no fee to the agent to access this support. Brokers Alliance is compensated by the carrier when the case issues.
Ready to write premium finance?
Get contracted with Brokers Alliance and put trusted carrier and lender relationships, advanced case design, and point-of-sale support behind every premium finance conversation. Whether you are an agent, an agency, or an IMO, the support is the same. Independently owned since 1982, Fountain Hills, Arizona. Call (866) 872-9394.
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