Goheen Companies
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(713) 530-8721

Premium Financing is the lending of funds to a person or company to cover insurance premium costs. Recourse financing is when a client enters into a fully collateralized agreement with the intention of holding the policy to maturity, and is generally purchased for liquidity needs and offers the most beneficial rates and fees. With Non-recourse financing, the collateralized investments may be held by the investment team if the money is guaranteed annually and verified with a third party. There are many benefits to premium financing, including eliminating having to pay a large annual premium. Multiple policies can be attached to one case so that there is only one fee paid for all coverage. And premium financing is normally transparent to the client or company, when built by a reputable company like Goheen Companies. By leveraging a lender’s capital, clients can retain a significant amount of personal capital. Most advisers are utilizing premium finance platforms to aid in the case design (maintenance of life insurance premium finance cases), thereby mitigating any inherent risk. Currently, all financing sources must be carrier approved and lenders must have substantial assets. Goheen Companies has the carrier approval and deep bench of banks. To find out more about premium finance life insurance, call us for a no obligation consultation today.

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