19 May Premium Financing for High-Net-Worth Clients
Why tie up your capital when you can leverage premium financing?
BespokeFINANCE is designed for financially sophisticated individuals who want to protect their wealth, enhance estate planning, and preserve liquidity—all without writing a large upfront check.
👤 Who Is BespokeFINANCE For?
- High net worth Individuals
- Strong credit history
- Seeking tax-efficient legacy planning
- Prefers to leverage assets, not liquidate them
- Professionals, business owners, family offices, and HNW retirees
💡 What Is Premium Financing?
Premium financing allows you to borrow the funds to pay for a large life insurance policy, using bank capital instead of your own.
You retain your liquidity and assets, while still securing a significant death benefit and growing tax-advantaged cash value.
🧠 Why High-Net-Worth Clients Use Premium Financing:
Benefit | Why It Matters |
Preserve capital & liquidity | Keep money working in your business or investments |
Enhanced estate tax protection | Use tax-free death benefit to offset estate tax obligations |
Significant life insurance leverage | Acquire more coverage than paying out-of-pocket |
Tax-deferred cash value accumulation | Potential to access policy value tax-free via loans |
Customized funding structure | Tailored to your financial objectives and risk tolerance |
🔐 BespokeFINANCE Structure Example
- Policy Type: Indexed Universal Life (IUL)
- Collateral: Cash value + outside assets (as needed)
- Exit Strategy: Policy loans, cash value growth, or repayment via estate liquidity
- Result: Net cost of insurance potentially reduced or eliminated
⚠️ Is It Too Good to Be True?
Premium financing is not for everyone. It works best for clients who:
✅ Understand long-term planning
✅ Can manage interest costs
✅ Have experience with structured lending or leverage
A strategic tool—not a shortcut.
✅ Why Work With The Policy Shop?
- 🔍 Decades of experience working with ultra-high-net-worth clients
- 🏦 Access to top-tier premium finance lenders
- 📊 Custom-designed illustrations with scenario planning
- ⚖️ Coordination with CPAs, estate attorneys, and financial advisors
- 🛡️ Policies from A+ rated carriers
📞 Schedule a Confidential Strategy Call
This is not cookie-cutter life insurance.
Let us build a tailored financing solution that aligns with your financial goals, risk tolerance, and estate strategy.