Key Advantages

• Interest and legal fees may be rolled into the loan, thereby reducing or even eliminating gift taxes.
• Letters of Credit costs (if applicable) may be rolled into the loan.
• Reduction and possible elimination of out-of-pocket funding of life insurance premiums.
• Policy, cash values can be used for collateralization.
• Client, can use a new or existing trust with proper loan provisions.
• Multiple lenders and A+ rated insurance carriers are used by NIW Companies.
• Lenders will work directly with the clients for confidential loan terms.
• Annual reviews by NIW Companies and the lender help keep the plan on track.