Estate Planning    Wealth Accumulation    Premium Financing     Foreign Nationals    Life Settlements     Defined Benefits

Leveraged Life Insurance

Charitable Giving       Not for Everyone


  1. Borrow the premium amounts from a commercial lender as opposed to paying them out of pocket.
    • Loan is collateralized primarily by the policy’s cash value.
    • Shortfall covered by pledging personal assets.
  2. Helps reduce the cost of the gifting strategy.
    • Pay only a small portion of the overall premium. (Interest cost)
    • Leverages the gifting strategy for more efficient results.
    • Increased rate of return on death benefits.
    • Reduces or eliminates the need to liquidate or redirect cash flow from lucrative investments.
  3. Allows for even larger endowment opportunities.