Borrow $5M+ from a bank to fund high-cash-value IUL/whole life — leverage arbitrage without out-of-pocket premium.
High-net-worth clients borrow $5M–$50M from a specialty bank (Global Financial, Chase Private, TruStage) to pay premiums on jumbo cash-value life insurance (IUL or whole life). Policy cash value + third-party collateral secures the loan. Spread arbitrage: policy internal returns 5–7% net; loan cost 5–6% variable. Death benefit exits tax-free to heirs. Cash value grows tax-deferred, borrowable tax-free. Only works with $500K+ annual premium capacity and $10M+ liquid net worth.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
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.