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Home » Premium Financing » What To Look For When Choosing A Premium Financing Provider

What To Look For When Choosing A Premium Financing Provider

November 6, 2019 8:43 pm

Premium financing makes it possible for high net worth individuals and businesses to purchase large amounts of life insurance without having to cough up large premiums upfront. Premium financing is simply a way of borrowing money to pay for these large premium expenses, and it can be used to attain large amounts of life insurance with only a minimal, upfront expense.

Premium financing offers a variety of benefits, allowing individuals, such as the enabling the ability for individuals to fund existing premiums without liquidating assets, a reduced impact on their cash flow, and it can help them with general estate planning. With all the benefits premium financing offers, you want to make sure you work with the right premium financing provider to help you take the right path to invest in a bright future. Luckily, in this article, we’ll share three things to look for when choosing a premium finance specialist.

Experience

Whenever dealing with life insurance, you will always want to work with an experienced and qualified company to help meet your needs. This is especially important with premium financing — you want to find a team that can help you make wise and thoughtful decisions throughout this phase in your financial life, while helping you avoid any risks that may occur.

At RBS, our premium finance company has well over 30 years of experience in the financial services industry and has successfully executed over 60 premium finance cases. We are always conscious of the risks that may occur with premium financing strategies, but we make sure that you are aware and feel secure every step of the way.

Variety of Products To Choose From

When financing your life insurance premiums, you want to be able to choose which financing product is right for you. You’ll want to look for a company that offers a variety of different options and will help you choose the one that is best for your needs and that will safeguard your family’s wealth. Additionally, look for providers that include flexible premium financing products too — while some premium financing providers set strict limitations on clients to mitigate default risk, offering flexible product options can go a long way.

At RBS Life, we offer a variety of premium financing products, including flexible products. To learn more about each of our products, contact our helpful premium financing products.

Effective Planning

Your financial situation is unique, so you want to look for a premium finance provider that will take the time to assess your needs, goals, and risk tolerance to attain the results you are trying to achieve. Additionally, you’ll want to find a provider that will be there with you every step of the way, making sure you have a clear understanding of what is going on, how your financial goals are being pursued, and what your financial future will look like.

At RBS Life, we are committed to the success of our clients. We guide them through the entire premium financing process: from implementing the initial strategy, writing the policy, helping secure the loan, having an estate attorney review the trust through the ongoing maintenance and monitoring of the plan in order to make sure that the strategy succeeds and our client’s full satisfaction is achieved.

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Strategy

"Our strategy is an opportunity for your family or business to purchase a very large amount of life insurance that when properly designed and managed will create a substantial tax preferred supplemental income stream with a low initial out of pocket cash commitment. "

Ran. RSB Life

"The benefits of financing your life insurance premiums is a powerful option."

Rita. RSB Life

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A person’s life is often compared to the life cycle of a tree. From a sprouting seedling to a sprawling forest, we grow with each graduating phase.

Don’t lose the fruits of your labor. Instead, learn more about premium financing from our dedicated team today.

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©2020 RSB Life. Do Not Copy.
This material was prepared for general distribution. It is being provided for informational purposes only and should not be viewed as Tax Advice. If you need advice regarding particular tax needs, contact a tax planning professional. We are not a lending institution.

Premium financing programs are subject to various risks including: Interest rate risk - most programs use a floating rate; Lender risk - the strength and stability of the financial institution providing the financing; Carrier risk - the strength and stability of the insurance carrier issuing the policy; Policy performance risks - failure of the policy to perform as originally illustrated, may result in additional premiums and loans and collateral risk - the value of the collateral used may decrease resulting in the need for additional collateral to secure the loan, or the lender calling the loan. There may be other risks as well.
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