Global Citizens
Global Citizens
What is a Foreign National?
Global Citizen Seeking Unique Offshore Strategies
Premium Financing
Global Citizens
Premium Financing
Premium financed life insurance allows Ultra-Affluent individuals to borrow funds through major US lending institutions at favorable rates to pay life insurance premium.
Why would an Ultra-Affluent individual want to borrow money to pay life insurance?
- Ultra-Affluent individuals usually have access to the lowest cost of capital.
- Premium normally paid for life insurance can continue to be managed in their investment accounts or left in their business.
- Clients can benefit from potential arbitrage between the growth in cash value in the insurance policy versus the interest due on the loan each year.
- This is not free insurance; however it can be a much more cost effective way to purchase large amounts of life insurance than by just paying premiums each year.
Pfleger Financial custom designs plans for our clients to achieve maximum efficiency. We design plans that use reasonable assumptions taking into account each client’s risk tolerance and access to capital. Each design has an exit strategy to pay off the loan to the bank.
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Pfleger Financial Group, Inc.
2600 S. Douglas Rd, Ste. 1010
Coral Gables, FL 33134
phone: (305) 441-1410
fax: (305) 441-1710
Securities and Investment Advisory Services Offered Through M Holdings Securities, Inc., a Registered Broker/Dealer and Investment Adviser, Member FINRA/SIPC. Pfleger Financial Group, Inc. is independently owned and operated. Pfleger Financial Group, Inc. is a member of M Financial Group. Please go to mfin.com/DisclosureStatement for further details regarding this relationship.
Check the background of this firm and/or investment professional on FINRA's BrokerCheck
For important information related to M Securities, refer to the M Securities' Client Relationship Summary (Form CRS) by navigating to mfin.com/m-securities.
Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.
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