A financed premium without an exit is a loan with a brochure. A financed premium nobody watches is a collateral call. We stay for both.
Loan-to-value, collateral, interest path, and a written exit. Built with your CPA and attorney. We are not the lender.
Rates move. Illustrations miss. Collateral needs a call before it becomes an emergency. Use is a skill. Monitoring is the job.
Institutional lenders underwrite. They can say no. They can ask for more collateral. That belongs on the first page, not the last.
Most of these loans are variable. A structure that only works in last year’s rate is not a structure.
If cash value underperforms, you may need more premium — financed or not. We will not hide that behind a first-year illustration.
The test: would this still make sense if we were not allowed to say “premium finance”? If the answer is no, we will not sell it.