Premium Financing Solutions

Strategic lending for sophisticated insurance needs.

Empower high-net-worth clients with sophisticated premium finance solutions. Our tailored approach equips you to navigate complex estate and liquidity planning, enabling strategic insurance acquisition without capital sacrifice or investment disruption.

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Why use Premium Financing?

Our Premium Finance solution brings clarity, efficiency, and a competitive edge to advanced estate planning and multi-generational wealth preservation. This solution is ideal for those requiring:

$250,000+ in annual premiums

A strategic component of advanced estate tax planning

Liquidity preservation for investment strategies

Smoother capital call or working 
capital transitions

Terms designed to flex with the client’s plan.

The power of Premium Financing.

  • Loan structure: Up to 10-year, interest-only financing
  • Annual premium size: $250,000 to $10+ million
  • Collateral: 100% cash surrender value; additional assets (CDs, securities, annuities, etc.) may be considered
  • Death benefit range: $5 million to $50+ million
  • Borrowing profiles: ILITs, business entities, and personal trusts
  • Repayment options: Death benefit proceeds, refinancing, or liquidity events
  • Interest rate options: Floating (with ceiling/collar protections); annual pay upfront or in arrears
  • Origination fees: None (rate buydown optional in some cases)

Built for the high-net-worth landscape.

This isn’t retail life insurance—it’s a highly customized, high-touch solutions for clients with intricate financial needs. Our Premium Finance team works directly with a specialized network of professionals who:

Focus on large-case life insurance transactions

Possess deep knowledge of life products and structures

Operate in a consultative, planning-first capacity

Serve ultra-high-net-worth households and family offices

Meet your lending partners.

Tom Yaeger

Co-Head & Managing Director, Premium Finance

John W. Dixon

Co-Head & Managing Director, Premium Finance

Let’s strategize together.

Premium financing can unlock new possibilities for your clients’ legacy, liquidity, and long-term plans. Partner with Axos to deliver a powerful blend of financial discipline and personalized structure where it matters most.

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ATM Locator
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