Premium Financing
Benefits of Premium Financing
Lower
Premiums
By leveraging the policy's internal value, premiums are paid by borrowing funds from a commercial lender vs paying out of pocket.
Protect Future
Income
Can allow you to obtain tax-free retirement income and significantly minimizing gift and estate taxes.
Higher Return
on Investments
Keep money in high returning assets for better investment returns instead of using them to pay for premiums.
Consulting
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Tax Saving Benefits
By properly structuring ownership of life insurance and paying interest instead of premiums, your clients can obtain tax-free retirement income and significantly minimize gift and estate taxes.
+ Preserve Current Cash Flow
+ Avoid Liquidating Investments
Why trust Goheen with my premium finance case?
Fast
Experienced
Personal
Effective
Customizable
Economical
Ensuring Long Term
Financial Success
A Premium Finance loan is never a one-off transaction. When you work with Goheen Companies, we offer the following strategies to optimize a new loan or existing policy.
Over time, old policies can lose their effectiveness and more effective products can come on to the market. We can review your client’s existing policies, identify underperformance and weakness, and suggest ways of improving the portfolio’s value.
While an underperforming policy can be replaced, it can be more efficient to restructure an existing policy. We'll come up with a custom tailored solution that ensures you meet your client's goals.
Through our network of lenders, we have the ability to secure a line or letter of credit using the cash value of existing or new policies as well as securities or bonds while maintaining the policy’s integrity. This enables your client to acquire additional life insurance coverage and create opportunities to increase the overall value of the life insurance portfolio.
Curious if premium financing could work for you?
Schedule a free consultation with one of our team members to see if premium financing could be the solution you've been looking for.
Curious if premium financing could work for you?
Schedule a meeting with one of our team members to see if you qualify for premium financed life insurance solutions.
Regulations
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Frequently
Asked
Questions
Individuals with a net worth over $5M in investments or assets - your income will need to be high enough to qualify for the bank loans.
When you premium finance, there is little impact on your cash flow, theres no disruption in your investment portfolios and it diminishes the need to liquidate assests.
Even if you already own life insurance, we would be happy to review your policy.
Often we can provide a creative solution resulting in:
1. Lower premium payments
2. Increased death benefit and overall performance of your life insurance portfolio
3. Improved cash flow
We get it. To trust just anyone with your legacy is scary. At Goheen Companies, we pride ourselves on astute attention to detail from the beginning of the process to the end. We consider your needs and craft a specially tailored solution designed just for you.
Your High-Touch, Long Term Partner
When you work with Goheen Companies, you become a partner for life. We believe in long-term success, so our relationship never ends after a single transaction. We'll monitor the ever-changing life insurance and lending markets and recommend changes, so you can ensure your client's plan and portfolio is always performing at its best.
At Goheen Companies, you aren’t just considered a client – you’re considered family.
Our
Philosophy
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