Top 10 Reasons to Choose Leveraged Planning®

1 PERSONAL GUARANTY EXCLUSIONS
Leveraged Planning solutions for business typically do not require personal guaranties, relying instead on collateral within the product funded, the business assets and, when necessary, outside collateral.*

2 EXPERTISE
Together with our sister companies we have over 175 years of combined insurance/banking knowledge and over 15 years of direct experience structuring lending strategies to meet the personal and professional planning needs of business owners, medical professionals, medium-to-high net worth individuals and entrepreneurs.

3 LOAN SERVICING FLEXIBILITY
Leveraged Planning solutions offer clients the ability to make interest payments on a current basis or to switch from one payment style to another one time with no refinance fees.**

4 NO RECURRING, TRUST OR LEGAL FEES
Generally, there are no annual origination, maintenance, trust or legal fees required to set up a Leveraged Planning solution.

5 48 HOURS TO A PRELIMINARY OFFER
In most circumstances, upon receipt of the completed loan underwriting form, we can provide your client with a rate offer (or a firm offer with complete financials) in as little as 2 business days.

6 HIGHLY COMPETITIVE RATES
Variable, floored, fixed and custom rate options are all available with our programs. Loan terms extend to 10 years and loans in good standing may be renewed with no additional underwriting.

7 STREAMLINED ANNUAL REVIEW (NO FOLLOW-UP UNDERWRITING)
Our lender conducts a comprehensive annual review and update of your client’s plan, without additional underwriting.

8 FINANCING OF EXISTING POLICIES OR REFINANCING OF LOANS FROM OTHER LENDERS
We can refinance existing loans or provide financing for in-force policies.

9 BROAD RANGE OF CARRIERS ACCEPTED
We work with a large pool of top-rated carriers which makes finding the right product for your clients’ needs easier.

10 LOW MINIMUM LOAN SIZE
Loan sizes can range from a minimum initial premium of $50,000 in first year funding to an uncapped maximum customized to the needs of any client.

*  Trust based loans will typically require a personal guaranty
** Interest deferral may be selected when approved by us and authorized by the carrier