Premium Financing

Premium financed life insurance is a powerful method for funding large life insurance policies and lowering premiums.

We finance your client's policy premiums through a custom loan so your client can significantly lower or eliminate out of pocket costs.

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

The Planning

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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.
Policy Audit

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.

Policy Restructuring

While an underperforming policy can be replaced, it can be more efficient to restructure an existing policy. We'll come up with custom tailored solution that ensures you meet your client's goals.

Line of Credit

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.

Testimonials

“Shawn's team helped me write my first premium finance case and largest life insurance case in the 24 years I've been in business. I was able to significantly reduce my client's out of pocket premiums.

Bob, Business Owner
Testimonials

"Working with Goheen Companies has been a treat. I've done a few premium finance cases, and I can attest... they make sure all requests, concerns and YOU and your CLIENTS are taken care of."

Steve, Broker From Houston, tX
Testimonials

“You really cannot ask for more from Shawn and his team - responsive, creative, and tenacious with both the carriers and lenders. He is always accessible and willing to spend the extra time when you need to pin down that winning strategy. There are plenty of guys that can quote for you, but very few that can execute to bring home a win.”

Howard, business owner

PREMIUM FINANCE RESCUE

Have a premium finance policy that's underperforming?

Premium financing is a simple idea, but complex in practice. If you've worked with someone that has structured your loan incorrectly, we're here to help.

We have been structuring these arrangements for years and have the expertise to assist if you have issues with your structure. We'll review your insurance and bank loan and consult with you, your advisor or team on the proper structure to help you solve issues and keep or improve your insurance and bank loan.

Are your banks reviewed annually to determine if you have a competitive rate?

It’s vital for business owners to have a thorough life insurance plan in place to help protect all your important interests, and ensure your business’ continued success.

Do you know how long you are paying premiums?

It’s vital for business owners to have a thorough life insurance plan in place to help protect all your important interests, and ensure your business’ continued success.

Do you have an exit strategy that's not death?
Is your rate locked in?

It’s vital for business owners to have a thorough life insurance plan in place to help protect all your important interests, and ensure your business’ continued success.

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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Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremqu laudantium totam rem aperiam eaque ipsa

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take your business to the next level

Frequently

Asked

Questions

Who is an ideal candidate for Premium Financing?

Individuals with a net worth over $5M with the net worth in investments or assets - your income will need to be high enough to qualify for the bank loans.

Why is financing more beneficial than paying premiums?

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.

What if I already have a life insurance policy?

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

Why are you the company to handle this for me?

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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