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Retain capital for your goals
Explore funding coverage while keeping capital allocated to business interests or long-term investments. We compare financing with direct premium payments in the context of your cash flow and available resources.
Our services · Premium financing
Plan for your legacy. Keep capital working toward your goals.
Premium financing can help suitable clients fund life insurance while retaining capital for business, investment and family priorities.
A flexible funding approach
Bring your coverage and capital plans together.
Life insurance can provide meaningful resources for your family, estate or business. Premium financing offers another way to fund that coverage: borrowing from a third-party lender to pay some or all of the premiums, supported by agreed collateral.
For clients with substantial assets and a long-term insurance need, financing can offer an alternative to selling investments or drawing capital from a business to pay premiums. AIM helps connect the coverage, financing and repayment approach with your overall financial plan.
Planning opportunities
Support tomorrow’s legacy and today’s priorities.
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Provide for the next generation
Life insurance can create liquidity for beneficiaries, support an estate plan or help fund an ownership transition. We work with your advisors to align coverage and ownership with the legacy you want to build.
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Coordinate the whole plan
Bring policy design, lending and repayment into one planning conversation. AIM helps your wealth manager, accountant and estate attorney evaluate how the approach supports your wider objectives.
Designed around your priorities
A funding strategy that fits the way you build wealth.
Your wealth may be spread across a business, investments, real estate and other assets. Premium financing can create an additional funding option for life insurance while allowing those assets to continue serving their intended roles.
We develop a comparison built around your coverage goals, liquidity and time horizon. By considering borrowing costs, collateral and repayment together, we help you make an informed decision about where financing fits.
Our comprehensive planning approachFrom idea to implementation
A clear path from opportunity to action.
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Explore the possibilities
We discuss your goals, review existing coverage and resources, and compare financed and directly funded approaches. The recommendation reflects both the insurance purpose and your broader plan.
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Coordinate the details
We help bring the carrier, lender and your advisory team together around underwriting, ownership, funding and collateral. Coverage is subject to underwriting; lending terms and approval are determined by the lender.
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Stay connected over time
We revisit policy results, loan terms and repayment resources as part of ongoing planning. Regular reviews help keep the arrangement aligned with changes in your family, business and financial priorities.
A few practical questions
Before we get started.
Who can benefit from a premium financing review?
Clients with substantial assets, a long-term life insurance need and resources to support borrowing and collateral may find it worth exploring. AIM helps assess the fit with your goals and the lender’s requirements.
Can you work with my existing advisors?
Yes. We develop the planning recommendation and coordinate with your wealth manager, accountant and estate attorney. If additional expertise is needed, we can help identify an appropriate professional.
How do we get started?
Start with your coverage goals and a general picture of your assets and cash flow. We help gather the information needed to compare funding options and develop a coordinated recommendation.
Explore more
Explore what premium financing could make possible.
Let’s discuss your legacy goals and the role financing could play in your financial plan.
Important considerations
Premium financing involves debt and is not suitable for every client. Interest costs can rise; policy or collateral values can fall, requiring additional collateral or repayment. Loan renewal is not guaranteed. Policy projections and investment returns are not guaranteed, and retained investments remain exposed to market risk. Repayment may reduce policy proceeds; surrender or lapse may cause losses, charges or taxes. Review funding and exit resources with your advisors, and do not assume loan interest is tax-deductible. Insurance guarantees depend on the issuing carrier’s claims-paying ability.