Premium Financing Arrangement

A strategy that uses leverage to help you acquire more of the insurance benefits you need to financially protect you and your family. A special arrangement of financing and life insurance offers you more death benefit and helps supplement retirement more than you could without leverage.

Small Size - Premium Financing Concept

기본 개념

​소규모의 형태로 진행되는 Premium Financing 프로그램을 이용한다면, 보다 효율적인 비용으로 생명보험을 운용할 수 있습니다. 현행 이자율과 상품 수익률의 레버레지를 최대한 활용하여 기대치 이상의 효율성을 목표로 플랜을 운용합니다. 

이 컨셉은 주택구입시 은행 모기지의 이용과 크게 다르지 않습니다. 전액 현금으로 구입가능한 주택의 양과 모기지등을 활용한 주택의 구입의 양에 차이가 있듯이 은행의 대출을 이용하여 생명보험을 구입하는 방식을 취합니다.

Premium Financing Arrangement의 이해

​펀딩과 운영

  • Year 1-5 

  첫 5년동안 가입자와 은행(대출기관)에서 불입금을 불입.  

  • Year 6-10

 6년째부터는 은행(대출기관)에서 불입금 전액을 납부

  • Years 11-15

자산이 증식하는 기간

  • Years 16 +

Policy에 존재하는 현금가치를 이용해서 은행 대출 불입금을 변재하고 남은 가치를 이용하여 생명보험의 유지 혹은 은퇴 보조 자금으로 이용한다. 


Premium Financing Arrangement을 통한 생명보험의 가입및 운용은 적용되는 상품과 운용원리에 대한 이해를 필요로 합니다. 가입을 결정하시기 전에 LIBOR 의 변화, Bank Margin, Index Credit 등 자세한 내용에 대한 문의후 가입여부를 결정하시기 바랍니다.


​블루앵커 재정보험

​재정보험 전문 에이전트 마이클 김 

6281 Beach Blvd. Suite 202, Buena Park CA 90621

213-905-9004 California Lic# 0G53317

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