How Life Premium Financing works
A simple view of the three parties that make a financed life insurance strategy possible, and the role LifeFide plays at the center.
High Net Worth Individual
Owns the policy and provides collateral. Keeps assets invested while a lender pays the premiums.
Carrier
Underwrites and issues the life insurance policy. Pays the death benefit that ultimately repays the loan and funds the legacy.
Lender
Provides the loan used to pay premiums. Receives repayment from the policy death benefit at maturity.
Explore the numbers for yourself
When your portfolio earns more than the loan rate, financing preserves capital and lets it keep compounding. Use our interactive calculator to see how the assumptions change the outcome.
Appointed with A rated carriers
LifeFide is appointed with major life insurance carriers rated A or higher by A.M. Best. That carrier access lets us place the right policy for each financed strategy.