Proposed models are evaluated by our firm based on a customized Financed Insurance Enhanced Income Multiplier design and other factors. Virtually every case design analyzed is different and is modeled for compliance and for that clients’ particular needs and requirements. No one size fits all.
​
Since we are not captive to any one individual company there is no hidden bias based on a choice comparison for the client. This is so we can evaluate and analyze customized case designs from these competing financial services companies, and choose the appropriate company and case design with the most advantages and best fit pertaining to that client’s individual suitability and particular need.

• ​The banks we work with consider their premium financing loans to be “Tier One Loans” which means the loan rate is a qualified preferred rate defined as the lowest and best possible interest rate available.
• The bank is able to offer very low interest rates during the duration of the note as the insurance policy is a more secure asset to the lender than a 15-year mortgage. The housing market can have corrections that plummet property values.
• Companies that Require Collateral may require a Minimum Net Worth and Minimum Income. Eligibility depends on the company and the individuals’ financial circumstances. In some cases, additional collateral may be required. CORPORATE or PERSONAL GUARANTEES are NORMALLY NOT REQUIRED. Almost all have tax-free rather than tax-deferred design choices.
• Other Companies Do Not Require Collateral. Loans can be structured so the Savings Plan for the individual client or the company is Permanently the Only and Sole Collateral guaranteeing the bank loan.​ These designs are a unique combination of bank financing and insurance premium funding called Hybrid Financing. No signing of any loan documents is needed from the client. In this case, neither an employer nor employee or other eligible designated clients, are not in any way connected or obligated by the bank loan. No corporate or personal guarantees or financial underwriting is required with HYBRID FINANCING. A minimum income of $100,000 or a client with an appropriate net worth will be considered. 
• Our Firm does a very careful and comprehensive evaluation considering the needs and circumstances of each client so an informed decision about their individual strategy choices can be relied upon.​