Premium Finance

Premium Finance is a strategic financial solution that allows individuals or businesses to borrow funds to pay for large life insurance premiums, typically for high-net-worth individuals or estate planning purposes. Instead of liquidating assets or using after-tax dollars, premium financing enables clients to preserve their capital and maintain liquidity while still securing the protection and benefits of a robust life insurance policy.

At First Choice Brokerage, we specialize in structuring premium finance solutions that are custom-built to align with your financial goals. We work closely with trusted lenders, legal advisors, and insurance carriers to develop plans that are tax-efficient, properly collateralized, and tailored to each client’s unique circumstances. Whether you’re looking to fund a large estate plan, protect a business interest, or build generational wealth, our expert team is here to guide you through every
step of the process.

Premium finance offers significant advantages, such as minimizing out-of-pocket costs, leveraging favorable interest rates, and freeing up cash for other investment opportunities. It is most commonly used in wealth preservation strategies, charitable giving, or succession planning—making it a smart choice for those with complex financial needs. Our goal at First Choice Brokerage is to help clients achieve financial security and legacy planning while keeping their assets working for them.

With decades of experience in advanced insurance planning, First Choice Brokerage provides the expertise, resources, and personal attention required to navigate the complexities of premium financing. From underwriting to funding, we ensure full transparency, compliance, and performance—helping you build a strategy that works now and in the future.