Premium Financing

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Use Leverage to Benefit You OR Your Family

Whether you desire an additional tax-free income stream during your retirement years, or significant death benefit to pass to your heirs, financing your life insurance premiums enables you to earn a spread between expected policy returns and borrowing rates. Anticipated results are a compounded 8-10% tax-free return over time.

Designed For:

You

Generate a future tax-free income; anticipated returns of 8-10%

Your Family

Use the bank's money to secure significant amounts of life insurance for an estate
Accumulate cash that grows and can be accessed tax-free in the future
Obtain significant death benefit without paying premiums allowing you to deploy your investment dollars elsewhere
Does not require use of annual lifetime gifting or exclusions
Capitalize on the spread between policy growth and borrowing rates
Designed with the least amount of life insurance allowable by the IRS, while still allowing tax-free access

Designed for YOU

Generate a future tax-free income; achieve 8-10% returns
  • Accumulate cash that grows and be accessed tax-free in the future
  • Does not require use of annual lifetime gifting or exclusions
  • Capitalize on the spread between policy growth and borrowing rates
  • Designed with the least amount of life insurance allowable by the carrier, thus greatly minimizing the mortality charges and commissions

Designed for Your Family

Use the banks money to secure significant amounts of life insurance for an estate
  • Obtain significant death benefit without paying premiums allowing you to deploy your investment dollars elsewhere
  • Does not require use of annual lifetime gifting or exclusions
  • Capitalize on the spread between policy growth and borrowing rates
  • Designed with the least amount of life insurance allowable by the carrier, thus greatly minimizing the mortality charges and commissions

Premium Financing

Managing Director, Ilana Liss

What is premium financing? Why would you finance a life insurance policy? Who does this unique strategy benefit most? Ilana Liss delves into the benefits of premium financing.

Want to learn more? Speak with a Schechter Advisor.