Bank finances your PPLI/whole life premiums; you fund the spread.
For $10M+ life insurance policies (typically PPLI or whole life in estate plans), banks finance the annual premiums, secured by policy cash value + collateral. You fund only the interest spread (2–4% of premium). At death, policy pays off loan, remainder goes to heirs tax-free. Used to secure massive death benefits with fractional capital.
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Buy a $1M–$5M business with 10% down, 10-yr amortization.
10% down, 20–25 yr fixed for owner-occupied real estate.
Owner becomes the bank — negotiate rate, term, and structure.
Tap home equity to fund higher-yield investments.
Borrow against your stock portfolio without selling.
Speed capital for flips, bridges, and value-add plays.
Rental loans qualified on property cash flow, not personal DTI.
Raise from LPs to acquire larger assets you couldn't alone.