Lending Solutions

GFD is the nation’s leading provider of high-touch, customized life insurance premium financing and insurance-backed lending strategies. GFD’s direct lending approach and extensive experience crafting insurance-supported solutions enable us to meet the needs of both business and individual clients.

Loan Details

GFD’s loan submission process is streamlined. Providing preliminary rate offers in as little as 48 hours, requiring no annual underwriting, and with (generally) no requirement for personal guarantees, GFD is the optimal choice for life insurance premium financing and other insurance-backed lending solutions.


Leveraged Planning
GFD's custom-tailored life insurance premium financing solutions set the standard for flexibility in the industry.
Business Planning
Providing a broad range of life insurance-backed planning solutions to business borrowers, GFD's expertise is unparalleled.
Estate Planning
For high net worth individuals seeking trust-based borrowing for estate planning needs, GFD is best partner available.
In-Force Lending
GFD offers superior terms and rates, enabling borrowers with existing policy loans to refinance and significantly improve product performance.

Why Choose GFD?


GFD has more institutional experience, with more varied types of lending solutions, than any other provider of life insurance premium financing solutions in the industry today.


With GFD, borrowers are afforded flexibility in every aspect of managing their loan – from development to implementation to post-closing loan support – ensuring that the loan always meets their needs.

Carrier Range

GFD works with a broad range of top-rated carriers offering insurance products best suited to premium financing - which makes finding the right product for the borrower’s need easier.

Loan Processing and Management

GFD can generally provide a preliminary loan offer in as little as 72 business hours and doesn’t require annual re-underwriting to keep the loan in force once it is approved and closed. Additionally, GFD offers automatic 10-year renewal after the first term.

Client-Centric Focus

GFD works before, during and after loan closing to insure that: every loan is custom-tailored for the borrower, that closing is a smooth and easy process, and that ongoing support and service are the best in the industry.

Part of the Synovus Bank family

Ranked the “Most Reputable Bank in the US” by American Banker, Synovus Bank provides GFD with the strength and support to provide borrowers the peace of mind they need when financing their life insurance premiums.

Case Studies

THE SITUATION: Charles Wharton, 43

Dr. Wharton, a solo dental practitioner, needs additional retirement income that he hopes will provide him with at least $200,000 per year for 20 years.

THE SOLUTION: Leveraged Planning®

Dr. Wharton chose a high cash value universal life insurance policy as the best means for securing a steady tax-advantaged retirement income. Dr. Wharton’s practice, an LLC, becomes the borrower of a Leveraged Planning solution commercial loan to fund the premiums for his life insurance policy. The use of a commercial loan allowed the practice to retain... Read More

THE SITUATION: David White, 53, & REVTECH Services, Inc.

REVTECH Services, Inc. needed to implement a buy/sell arrangement on behalf of their CEO, David White, 53, to provide for added liquidity for both White and the firm in the event of his departure or death.

THE SOLUTION: Leveraged Planning®

REVTECH and Mr. White elected to use a life insurance policy to provide the funding necessary to maintain business continuity and provide compensation for Mr. White’s interest in the business. A commercial loan was chosen as the means of funding the policy premiums. Using a... Read More

THE SITUATION: Steven Coles, 55

Mr. Coles needed an exit strategy for himself when the time came to sell his company. Implementing a buy-sell plan was the clear solution, but a funding source was still in question.

THE SOLUTION: Leveraged Planning®

Mr. Coles chose to fund his buy-sell plan using a high cash value life insurance policy. This would provide him adequate income after the sale while retaining financial flexibility in the intervening years. Mr. Coles company takes out a Leveraged Planning loan to fund the premiums for the life insurance policy. The use of a... Read More

THE SITUATION: Susan Collins, 62

Mrs. Collins had a gross total estate value slightly in excess of $50 million. She was looking for a way to bequest at least $10 milion to each of her three children ($30 million total) – with the balance going into a charitable trust for division among several different organizations.

THE SOLUTION: Leveraged Planning®

The estate tax for each of the three individual bequests to her children was anticipated to be $3.3 million ($9.9 million in total). Since Mrs. Collins was committed to providing the maximum amount possible to both her children... Read More

THE SITUATION: John Wynkoop, 62

John Wynkoop purchased a whole life policy in 1985. Many years and a policy loan later, he needed an option to prevent a policy lapse due to declining cash surrender value (CSV) - a decline caused by onerous interest payments on the existing policy loan from the carrier. Mr. Wynkoop had been depleting the CSV of the policy in order to service the outstanding balance of over $2.33mm on an existing policy loan. By 2013, there was less than $100,000 of value remaining in the policy and he was directing the annual dividends from the policy towards annual... Read More

THE SITUATION: Michael Cena, 40

Michael Cena needs at least an expected annual income of $200,000 (pre-tax) for 25 years to retire comfortably. He also wanted to be able to provide for his family's needs if anything should happen to him.

THE SOLUTION: Leveraged Planning®

At 40, Michael’s appetite for risk had lessened as his time horizon was shortened substantially. Because of this, he was looking at many options that were likely to produce lower returns than he might have hoped to earn. Narrowing down his options, Michael found himself considering two: a more traditional... Read More