Sophisticated Strategies for High-Net-Worth Individuals
At New Beginning Financial Group, LLC, we recognize that for the affluent, the greatest cost of any investment is the opportunity cost of liquidated capital. Our Premium Financing solutions allow you to secure high-limit, cash-value life insurance without tieing up your current assets or disrupting your investment portfolio.
Why Partner with a Certified FPWMP®?​
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Premium financing is a dynamic strategy that requires constant monitoring of interest rates and policy performance. As Financial Planning & Wealth Management Professionals (FPWMP®), we provide the analytical oversight needed to manage the loan-to-value ratios and ensure the strategy remains optimized year over year.
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Take the Next Step in Capital Optimization
Wealth is not just about what you own, but how you move it. Schedule a private Financial Mgt. Discovery Call to see if your portfolio qualifies for a leveraged funding strategy
What is Premium Financing?​
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Premium financing is a sophisticated wealth management strategy where a third-party lender provides the capital to pay for life insurance premiums. This allows the policyholder to retain their existing capital in higher-yielding investments while using the lender's capital to fund a permanent life insurance vehicle.
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Is Strategic Capital Leverage Right for You?​
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This strategy is typically reserved for individuals with a net worth of $5M+ and a demonstrated need for high-limit coverage. It is ideal for those who:
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Have a high degree of "investable" assets but prefer to keep them in the market.
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Seek to minimize gift tax implications of large premium payments.
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Are looking for a hedge against future tax increases.
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Our Specialized Business Solutions
​Estate Tax Liquidity
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​​For estates exceeding the federal exemption limits, tax liabilities can be staggering. Premium financing allows you to fund a policy that provides the liquidity to pay estate taxes without a "fire sale" of family real estate or private equity holdings.
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Wealth Transfer & Multi-Generational Planning
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Use leveraged dollars to fund a policy that will pass to your heirs tax-free. By using a lender's capital, you can move significantly larger sums into an Irrevocable Life Insurance Trust (ILIT) than you could through annual gifting alone.
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Supplemental Retirement Income
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High-funded cash-value policies (like IUL or Whole Life) grow tax-deferred. By financing the premiums, you accumulate a significant cash bucket that can be accessed via tax-free policy loans in retirement, providing a non-correlated income stream.​
Retaining Business Liquidity
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Business owners can use premium financing to fund Key Person or Buy-Sell agreements. This keeps company cash flow available for R&D, acquisitions, or scaling, rather than locking it into insurance premiums.
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