Overview

If the concept of premium financing is new to you, you should find this page very helpful.

Premium financing enables individuals, families and businesses to strategically acquire large amounts of life insurance by accessing third-party financing to pay for the large premiums associated with the policies. Cascade Premium Funding clients’ typically have premiums ranging from $500,000 to several million dollars per year.

In terms of wealth preservation benefits, premium financing allows you to:

Keep your high-performing assets
intact – no need to liquidate
investments or incur attendant
income taxes

Minimize or eliminate
out-of-pocket expenses
depending on the strategy
employed

Reduce or potentially eliminate
any gift tax liability associated
with the funded policy

Create an opportunity to
purchase more life insurance than
when paying the premium

Premium financing enables individuals, families and businesses to strategically acquire large amounts of life insurance by accessing third-party financing to pay for the large premiums associated with the policies. Cascade Premium Funding clients’ typically have premiums ranging from $500,000 to several million dollars per year.

Strategic
wealth transfer

Estate
tax planning

Business Buy-Sell
funding

Key employee
funding

Charitable
giving maximization

Estate
equalization

CONSIDERATIONS AND RISKS

If premium financing is a new funding concept for you, your first thought might be: This is too good to be true. Here’s what is true – for high net worth and ultra-high net worth individuals, premium financing is an incredible tool that can provide significant returns and wealth management benefits unlike any other strategy.

There are considerations and risks that we discuss with you in our very first meeting.

EXIT STRATEGIES

Another consideration we discuss with each of our clients is an exit strategy. Whether it’s the effect of unforeseen market factors or changes in the borrower’s financial condition, we work with our clients to design the best options if there is a need to exit the strategy early.

Learn more about premium financing and the leverage you can gain from this alternative funding strategy by calling us today at (760) 536-9060 or sending us your contact information.

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