Leveraged Life Insurance Without Collateral? Yes, It’s Possible.

Premium financing has long been a powerful tool for high-net-worth individuals looking to acquire large life insurance policies without tying up significant capital. But there’s always been one major hurdle: external collateral.

What if there were a way to eliminate that?

Welcome to PremiumLife™ Flex — a modern, collateral-free premium financing strategy that allows clients to leverage bank funding without putting their personal assets on the line.

🔎 The Problem with Traditional Premium Financing

While traditional premium financing offers compelling benefits (like liquidity preservation and estate tax efficiency), it often requires:

• Posting external collateral (homes, investment accounts, etc.)
• Managing collateral calls due to market volatility or policy underperformance
• Assuming financial risk that deters younger or first-generation affluent clients

This leaves a big gap for clients who qualify by income but not by balance sheet.

💡 The Solution: PremiumLife™ Flex

PremiumLife™ Flex offers a collateral-free alternative to traditional leveraged life insurance.

✅ No external collateral

The policy itself serves as the only collateral. No homes. No portfolios. No margin risk.

✅ High income potential

Generate tax-free income later in life with strategic bank leverage.

✅ Long-term estate value

Secure tax-free death benefits in the millions — even with limited out-of-pocket contributions.

📊 Sample Case: 30-Year-Old Male, $50K x 5 Years

• Total Outlay: $250,000
• Projected Annual Income (Age 60–100):
• Projected Death Benefit (Age 85):

All without posting external collateral.

🔑 Who This Is For

This strategy is ideal for:

• High earners (>$250K/year)
• Ages 30–60
• Net worth of $1M+
• Clients who are insurable but asset-light
• Business owners, executives, or professionals seeking liquidity-friendly solutions

Why Advisors Love It

By eliminating the external collateral hurdle, PremiumLife™ Flex expands the premium financing conversation to a younger, broader, and faster-growing audience.

It also makes life insurance easier to recommend, easier to place, and more powerful as a retirement, business succession, and estate planning tool.

Simplicity UFC has been a pioneer in advanced life insurance strategies for over 30 years. With our exclusive access to PremiumLife™ Flex and a 98% persistency rate, we’re helping advisors close more cases, attract more HNW clients, and protect more wealth — all without external collateral.