A technical partner behind your advisory practice
Partner with LifeFide and your clients on Life Premium Financing strategy, annual loan maintenance, and ongoing policy administration. We give you the infrastructure, lender access, and servicing discipline so you can offer a strategy that most firms cannot deliver.
Why a Life Premium Financing strategy is difficult to deliver
This is one of the most complex life insurance engagements an advisor can recommend. A single misstep can derail the policy, strain the client relationship, or expose the advisor to liability.
Strategy and exit planning
Every case needs a clear strategy that includes an exit plan. You must model the loan, the collateral, the premium schedule, and the death benefit to know exactly how the financing unwinds over time.
A limited network of lenders
Only a small group of lenders offer competitive premium financing. Each has its own rate structures, collateral requirements, and credit appetite. Finding the right fit is not a simple rate comparison.
Carrier approval complexity
Carriers treat premium financed cases differently. The internal approval process requires special documentation, underwriting coordination, and knowledge of carrier specific guidelines that change by product.
Annual review and loan servicing
Most importantly, the loan requires annual review and servicing between the lender and the client. Rates change, collateral values move, and covenants must be monitored year after year to keep the strategy intact.
How LifeFide solves this for Strategic Partners
We built LifeFide to be the unified operating partner for advisors who want to offer Life Premium Financing without becoming a lender or servicing specialist.
Strategy design and exit planning
We build the complete case design, including the exit plan, collateral schedule, and premium loan structure. You receive a clear, documented strategy you can present with confidence.
Established lender and carrier relationships
We have built deep relationships with premium financing lenders and carriers. That access lets us match each client to the right lender and navigate the internal approval process efficiently.
Annual loan review and ongoing servicing
We handle the ongoing servicing between the lender and the client. Rate renewals, collateral updates, compliance checks, and annual reviews are managed by our team so nothing falls behind.
Your client relationship stays at the center
You remain the trusted advisor. We operate behind the scenes as your technical partner, giving you the expertise and infrastructure to deliver a strategy most firms cannot offer on their own.
Experience that only comes from doing this work for years
We have spent years structuring life insurance strategies properly, with a focus on lender and carrier relationships and, most importantly, the relationship with your customer.
Years of experience structuring life insurance
Our team has spent years designing life insurance strategies that are structured properly from the start. We know the details that matter when a case is financed.
Lender and carrier relationships
We have cultivated long standing relationships with the lenders and carriers who specialize in premium financing. That network is not easily replicated and is the difference between a case that closes and one that stalls.
The relationship with your customer
Most importantly, we protect your relationship with your customer. We never compete for the client. We support your advisory practice with the expertise, process, and continuity your clients expect.
We help advisors screen cases before a client is ever presented with a structure
Premium financing is powerful when it fits, and damaging when it does not. Before any strategy reaches the client, we work with the advisor to confirm the case profile, collateral picture, and planning objective actually match what a financed policy is designed to solve. If the fit is not there, we say so early.
Our screening step protects the advisor, protects the client, and protects the integrity of the strategy long before an application is signed.
What we look at first
Ideal client profile
Established high net worth individuals or families with a demonstrated long-term need for permanent life insurance.
Minimum premium
Cases sized for meaningful policy design, typically starting at premiums that justify a financed structure.
Net worth
Sufficient balance sheet strength to support the strategy, the collateral, and the exit over the full loan horizon.
Liquidity
Access to liquid assets that can be pledged as collateral without disrupting the client's broader financial plan.
Collateral
Marketable securities, cash, or letters of credit that meet lender requirements and can be adjusted as policy cash value grows.
Insurance need
A defined estate, business succession, or wealth transfer objective that the policy is genuinely solving for.
Every case is built with the risks named, measured, and managed
A financed life insurance strategy has moving parts. We identify each one up front and build controls around it so the plan performs as designed, in good markets and in bad.
Interest-rate risk
We model rate scenarios across the life of the loan, so clients understand how changes in the borrowing environment affect servicing costs and the exit.
Collateral risk
Collateral requirements are stress-tested against market drawdowns, and posting schedules are reviewed each year to keep the client comfortably inside lender covenants.
Policy-performance risk
We evaluate carrier illustrations under conservative crediting assumptions to make sure the policy carries its weight, not just at issue but decades out.
Exit strategy
Every case is designed with a documented exit, whether that is loan payoff from policy cash value, personal assets, or a scheduled distribution event.
Stress testing
Rates, returns, and collateral values are pressure-tested together so the strategy holds up in adverse conditions, not only base-case projections.
How CPAs and estate attorneys work with LifeFide
We slot into the advisory team the client already trusts. Tax and legal professionals stay in the lead of their disciplines, and LifeFide handles the technical build and servicing of the financed insurance strategy.
Introduction and case framing
The CPA or estate attorney introduces the client relationship and the planning objective. We align on the role each professional will play before any strategy is discussed with the client.
Suitability and design
LifeFide screens the case, models the structure, and prepares the documentation. Tax and legal professionals review the design within their scope of practice.
Coordinated presentation
The strategy is presented to the client alongside the existing advisory team, so recommendations are consistent across tax, legal, and insurance.
Ongoing annual servicing
Loan reviews, collateral updates, and policy reporting are shared with the CPA and estate attorney each year, keeping the full plan in sync.
LifeFide does not replace legal, tax, or investment advice
We design and service financed life insurance strategies. We do not draft documents, render tax opinions, or manage investment portfolios. Those decisions remain with the client's attorney, CPA, and investment advisor, and our work is built to support theirs.
We support the advisor-client relationship; we do not bypass it
Referred clients remain the referring advisor's clients. LifeFide does not cross-sell, does not solicit outside the engagement, and does not step between the advisor and the relationships they have built.
Offer your clients a strategy most firms cannot deliver
LifeFide gives Strategic Partners the strategy design, lender access, carrier navigation, and annual servicing needed to deliver Life Premium Financing with confidence.