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Life Insurance Premium Financing

You’ve heard about it from your friends and business associates, out on the golf course, and perhaps even from your life insurance agent, but you still aren’t quite sure what it is, or how it can benefit you. The FFL Loan Advantage Program™ was created to educate you about premium financing and assist you with the purchase of large face life insurance policies, for estate planning purposes, or simply to leave a legacy after your passing.

Premium financing is a tool that allows you to put in force a large life insurance policy on your life to benefit your heirs, estate, business or favorite charity. When utilizing a loan from a specialty lender or bank, the collateral required is very reasonable and usually takes the form of a personal guarantee for a small percentage of the loan used to fund your policy. In most cases, no letter of credit or other assets are required to be pledged as collateral. For most seniors, there are no out of pocket costs required initially, allowing you to get the coverage you need, while you are healthy, without the financial burden of writing a large check or pledging important assets.

About Finance For Life

Finance For Life is a full service Life Insurance Premium Finance Brokerage. There are many providers of life insurance loans for seniors, and we work with the finest of them, selecting those most reputable and flexible to become your lender. Since our inception in 2004, we have brokered nearly a billion dollars in death benefit for affluent seniors and their families and expect to exceed one billion dollars of face in 2008. Our professional, experienced and caring team is known for its service, diligence and utmost respect for confidentiality and client privacy. We select the best rated insurance carriers to provide your coverage and work in harmony with the nation’s most experienced and aggressive general agencies to handle life insurance underwriting and placement.

Qualifying for the FFL Loan Advantage Program™

The FFL Loan Advantage Program™ is open to insureds of all ages. To qualify for a low collateral no out of pocket loan, you must be over the age of 65 and be able to financially justify the need for a life insurance policy between two and one hundred million dollars. Our licensed life insurance producers and premium finance professionals are waiting to take your call.

Call us now at 877-763-0098. You’ll be happy you did.

You can download our short, easily-completed application.

Life insurance coverage is not guaranteed and is subject to meeting the underwriting standards of both the providing insurer and premium finance provider. Please speak to your FFL representative or agent for more details, or to learn about how your particular financial and/or health circumstances would affect your loan qualification.

How to Submit a Case

Download and fill out our simple application.

Email it to cases@financeforlife.com or fax to 901.763.0058

Do I Qualify?

A Senior (65 or older).

  • Insurance capacity* between $2 Million and $100 Million.
  • Reasonably good health (of sound mind, without recent cancer or cardiac episodes, within the healthy height and weight guidelines of your physician.)

Individuals 30 and 85 seeking a traditional loan.

  • Insurance capacity* between $2 Million and $100 Million.
  • Reasonably good health (of sound mind, without recent cancer or cardiac episodes, within the healthy height and weight guidelines of your physician.)

*Definition of Insurance Capacity - Insurance capacity equals net worth minus insurance currently inforce on your life. For example, if your net worth is $20 Million, and you already have $5 Million of coverage, you may qualify for up to $15 million of additional coverage.