Established in 1962, we are a niche marketing firm specializing in premium finance life insurance for high net-worth Americans. Premium Financing is for individuals needing large amounts of life insurance, but who do not wish to liquidate their assets to pay for insurance. This strategy results in enhanced client portfolio yields by keeping investment capital working and not putting it into a life insurance company to languish at low returns.

Our company collaborates with estate planning attorneys, CPAs, Family Offices, Trusts and Financial Advisors in all fifty states. Our full-time staff includes two estate planning attorneys, risk evaluator, policy designer, lending officer and pilot.

Most life insurance policies fail in premium financing because payment of an obscene front-load commission robs the policy of cash value needed to secure and collateralize premium loans. Our policies are structured with large first day cash values that our banks assign as loan collateral. These loans pay all current and future premiums when due. After death of the insured, the bank loans are repaid, plus interest, from additional insurance. Life Insurance pays for your life insurance.

Serving as your back room staff, we bring to the table over 100 life insurance companies, six of whom excel in premium financing. Loans to pay premiums are with two of the world's largest banks, one with assets exceeding 1.8 trillion dollars. Our unique banking relationships are based upon many years of pristine loans and impeccable trust. Our success is attributed to our staff, facilities and our commitment to elevate the image and relationship advisors deserve with their high net-worth clients and prospects.

We can make you a HERO.