Generate more sales with Premium Financing.

Life insurance can be a highly effective vehicle for financial protection and helping to increase the wealth that passes to your client’s beneficiaries—in some cases, over several generations. When properly structured in an irrevocable life insurance trust (ILIT) for estate planning, a life insurance policy can provide death benefit proceeds free of federal income tax and are generally free of estate tax. Life insurance can also help business owners protect their business. To obtain the level of insurance needed, many individuals and couples may have to liquidate assets to cover the life insurance premiums. If your clients are looking for a life insurance strategy with a potentially smaller impact on their assets, they may want to consider a premium financing arrangement.

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Ways to generate more sales

Navigating a life insurance funding strategy (brochure)
Navigating a life insurance funding strategy (flyer)

 

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Life Insurance is issued by Symetra Life Insurance Company, 777 108th Avenue NE, Suite 1200, Bellevue, WA 98004-5135. Policies and riders are not available in all U.S. states or any U.S. territory. Terms and conditions may vary by state in which they are available.

Guarantees and benefits are subject to the claims-paying ability of Symetra Life Insurance Company.

Premium financing is very complex and includes market uncertainty, potential loss of collateral, and the possibility of a policy lapse. Neither Symetra nor its agents are licensed by any state to act as a lender. Symetra does not endorse any lender or premium finance program and does not support or promote Stranger Originated Life Insurance (STOLI). The agreed upon loan terms and loan agreement are those of the third party lender and not those of Symetra Life Insurance Company.

The lender in a premium financing arrangement is an independent third party lender and is not affiliated with Symetra Life Insurance Company. An owner must qualify for the third-party loan and meet the collateral requirements of the lender.

This material is not intended to provide investment, tax or legal advice.

Clients should consult with their tax or legal advisor when reviewing a trust.