PREMIUM FINANCING · THE INSURANCE DESK
Premium-financed life insurance, with a desk that does this every week
Your ultra-high-net-worth clients need eight-figure coverage without liquidating the portfolio you built. The desk brings the lender relationships, case design, and CFP®/CLU® planners to your side of the table — you bring the client and earn on the case.
Free case design · no desk fees · no exclusivity
Where premium financing fits in your book
Estate liquidity without liquidating
Clients with large, illiquid, or high-performing balance sheets fund estate-tax liquidity with borrowed premium instead of interrupting the portfolio you manage.
Large permanent cases, smaller outlay
Institutional lending covers most of the premium on jumbo permanent life cases — the client posts collateral, keeps capital working, and the coverage goes in force now.
Business succession & key person
Buy-sell funding and key-person coverage at face amounts operating businesses actually need, structured so the business doesn't drain working capital to pay for it.
Wealth transfer at scale
ILIT-owned financed policies move wealth across generations efficiently — designed with your client's estate counsel, not around them.
What the desk puts behind your case
- Case design & lender structuring — modeled, stress-tested, client-ready
- Institutional lender relationships and carrier access for jumbo cases
- CFP® and CLU® planners who join your client and counsel meetings
- Underwriting advocacy on large face amounts and complex ownership
- Annual reviews and exit-strategy monitoring after the case places
- 20–25% of the desk override shared back with you
Two minutes · a desk director follows up within one business day
Premium financing, answered
What is premium financing for life insurance?
A strategy where a client borrows most of the premium for a large permanent life insurance policy from an institutional lender instead of paying out of pocket, posting collateral for the loan. It's used by ultra-high-net-worth households and businesses that need significant coverage but want to keep their capital invested.
Which clients are candidates?
Typically clients with meaningful net worth and insurance needs in the millions of face value — estate-tax exposure, business succession, or large wealth-transfer goals — who would rather post collateral than liquidate performing assets. The desk models each case individually; not every client should finance premium.
I've never placed a financed case. Can I still bring one?
Yes — that's the point of the desk. The case designers structure the loan, model the policy, and prepare the client presentation; the planning team joins your client meeting to help present and close. You stay the advisor of record and earn on the case.
What are the risks my client should understand?
Loan interest-rate movement, collateral calls, policy performance below illustration, and lender renewal terms. A properly designed case models all four with stress tests and a defined exit strategy — that modeling is a core part of what the desk prepares.
How do I get compensated?
Standard commission on the placed case per the carrier grid, plus the desk's 20–25% override share. The full schedule is disclosed in writing before you contract. Compensation varies by carrier, product, state, and contract level.
Placing other lines too? See the full Insurance Desk — life, LTC, disability & annuities.
The AdvisoryReviews Insurance Desk is operated with a national brokerage general agency partner. Premium financing involves loan interest, collateral, and policy-performance risk and is not suitable for every client; case designs include stress testing and exit strategies. Insurance products are offered and placed only by appropriately licensed producers and entities. AdvisoryReviews is not an insurer, lender, investment adviser, or broker-dealer. Compensation varies by carrier, product, state, and contract level. Availability varies by state.