What is Premium Financing? скачать в хорошем качестве

What is Premium Financing?

Premium financing is one of the most misunderstood — and powerful — strategies used by high-net-worth individuals to fund life insurance and support long-term retirement planning. In this video, we break down how premium financing works, who it’s designed for, and why it can be an effective way to preserve liquidity, create leverage, and optimize tax efficiency when structured correctly. You’ll learn: • What premium financing actually is (and what it isn’t) • How financing life insurance premiums can free up personal or business capital • Why keeping assets invested can matter more than paying premiums out of pocket • How tax-deferred policy growth and tax-free death benefits factor into the strategy • Why the spread between investment returns and loan interest rates is critical • The importance of proper structuring, monitoring, and exit planning We also walk through a real-world style example of an entrepreneur who used premium financing to secure a $2M permanent life insurance policy — while keeping capital invested in a growing business — and how the policy’s cash value eventually helped offset loan costs. Premium financing is not a set-it-and-forget-it strategy. It requires careful planning, experienced advisors, and ongoing management to remain effective over time.