Premium Financing
Protect Wealth. Preserve Liquidity. Amplify Legacy.
When life insurance is part of a comprehensive wealth strategy, funding large policies can place a strain on liquidity. That’s where Premium Financing comes in. At Heritage Wealth Group, we offer intelligent premium financing solutions that allow you to secure high-value life insurance coverage—without disrupting your cash flow or investment strategy.
What is Premium Financing?
Premium financing is a strategy that uses third-party lending to pay life insurance premiums. Instead of paying out of pocket, a lender covers the cost of premiums while you retain capital for other investments, business needs, or estate planning goals. The loan is typically repaid from the policy’s future cash value, death benefit, or other planned assets.
Ideal for:
High-net-worth individuals
Business owners and executives
Estate and legacy planning
Individuals with significant insurance needs and complex financial structures
Benefits of Premium Financing
Preserve Liquidity
Keep your assets working for you in other investments or business opportunities.
Expand Coverage
Secure large life insurance policies needed for estate tax protection or legacy planning without the burden of large annual premiums.
Tax Efficiency
Life insurance proceeds are generally income tax-free and can be used to cover estate taxes or create a legacy for heirs.
Strategic Leverage
Use borrowed capital strategically to fund protection, while minimizing personal outlay.
Our Premium Financing Process
Needs Assessment – We evaluate your financial goals, estate plan, and liquidity to determine if premium financing is appropriate.
Customized Strategy – We work with top lenders and insurers to design a financing structure tailored to your objectives.
Ongoing Monitoring – We provide regular policy reviews and manage the financing relationship to ensure long-term sustainability.
Exit Strategy Planning – We help plan for future repayment, whether from policy values, other assets, or estate proceeds.
Why Work With Heritage Wealth Group?
Specialized Expertise – We bring deep knowledge of advanced insurance planning and premium finance structures.
Independent Access – We partner with leading insurance carriers and national lenders to offer flexible, competitive solutions.
Fiduciary Focus – Your interests come first. Always.
Strategically fund the protection you need—without sacrificing the liquidity you want.