Advanced Planning, with More Flexibility
Leverage premium finance strategies to protect your wealth and expand your planning options without disrupting cash flow
Big Picture Planning Without Big Cash Commitments
If you’re looking to implement a high-value life insurance strategy—but prefer not to liquidate assets or disrupt your cash flow—premium financing can offer the flexibility and leverage you need.
At NPPSS, we help high-net-worth individuals and business owners use premium finance as a tool to protect wealth, support legacy planning, and create tax-advantaged retirement income—all while keeping more of your money working for you elsewhere.
What Is Premium Finance?
Premium financing allows you to borrow funds from a third-party lender to pay for large life insurance premiums. You pay interest on the loan, and the policy itself serves as collateral. It’s a way to gain high levels of insurance protection and planning benefits—without writing a large check upfront. Used strategically, it can help you:
Preserve capital for investments or business growth
Create tax-free income through life insurance
Support estate planning and legacy goals
Minimize out-of-pocket costs while securing high-value policies
Who Is Premium Finance Right For?
This strategy is ideal for:
1
High-net-worth individuals with significant estate tax exposure.
2
Business owners seeking protection while maintaining liquidity.
3
Executives or professionals looking for tax-advantaged supplemental income.
4
Families seeking legacy wealth transfer without eroding core assets.
Strategy First, Solutions Second
We don’t treat premium finance as one-size-fits-all solution. Instead we assess your goals, financial profile, and risk tolerance to determine if this approach aligns with your broader plan.