Institutional leverage for substantial coverage, engineered case by case.
Premium financing allows high-net-worth clients to acquire substantial life insurance coverage without disturbing existing liquidity. A third-party lender funds the policy premiums; the policy serves as primary collateral. The result is meaningful death-benefit coverage and a strategic estate-planning asset, with capital left in place to do other work.
A lender advances the premiums for a high-value permanent life insurance policy. The policy's cash value, together with supplemental collateral when required, secures the loan. Interest is paid annually or accrued. At maturity or death, the loan is repaid from policy proceeds; the remainder passes to beneficiaries.
For clients whose capital is already deployed — in operating businesses, real estate, or concentrated portfolios — premium financing creates significant insurance leverage without liquidating productive assets. Properly designed, it can substantially improve the internal rate of return on the insurance plan.
Premium financing is engineered case by case. We coordinate with carriers, lenders, trust counsel, and your tax advisors. Every plan is stress-tested for interest-rate, crediting-rate, and collateral scenarios before a single document is signed.
Apply online in minutes, or speak with a NOBL advisor about how this coverage fits your broader plan.