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Portfolio III • Advanced Planning

Annuity Premium Financing. Strategic capital. Purposeful income planning.

For qualified clients, financing may help fund a larger annuity premium — potentially supporting long-term income and legacy objectives while preserving more personal capital for other priorities.

Explore the Strategy Explore Advanced Planning

The Concept

What is annuity premium financing?

A qualified client may use financing from a lender to help fund an annuity premium. The client contributes capital according to the strategy and lending arrangement, and the annuity contract and other assets may serve as collateral, subject to lender requirements.

  1. Client
  2. Financing
  3. Annuity

Designed to support

Capital Efficiency
Income Planning
Legacy
Long-Term Planning
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Strategic Architecture 01

How the Strategy Works

Six steps. One coordinated plan.

Select a step to see how the strategy comes together.

1 / 6

Why Consider Premium Financing?

Strategic advantages, thoughtfully applied.

01

Capital Efficiency

Potentially use external capital to help fund an annuity premium while preserving more of your own capital for other purposes.

02

Preserve Liquidity

A properly structured strategy may keep more personal capital available for other opportunities, obligations, or investments.

03

Larger Premium Capacity

Financing may allow a larger premium than you might choose to fund from personal assets alone, depending on lender terms.

04

Income Planning

Depending on the contract and its features, an annuity may support a future stream of retirement income.

05

Legacy Planning

Certain annuity contracts may include features that can support beneficiary and legacy objectives.

06

Strategic Flexibility

Structures can be tailored around lender requirements, contract features, collateral, interest rates, and your objectives.

Potential advantages depend on financing terms, contract features and performance, and each client's circumstances. Financing is not appropriate for everyone.

The Capital Relationship

Two sources of capital. One purpose.

Client capital and lender capital work together to fund the annuity premium — and the annuity contract anchors the long-term strategy.

Client Capital

Lender Capital

Annuity Premium

Annuity Contract

+ Long-Term Strategy

Client capital

Contributions, collateral, or interest payments, as the structure requires.

Lender capital

Financing provided toward the annuity premium under the lender's terms and approval.

The annuity

An annuity contract selected around income, growth, and long-term objectives.

Conceptual illustration. Structures, contributions, and outcomes vary and are not guaranteed.

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Strategy Review 05

Who May Consider Exploring It?

Is this strategy worth exploring?

Annuity premium financing is typically explored with these considerations in mind. Select the ones you would like to discuss.

0 of 8 considerations

Educational exploration only — not an eligibility test or recommendation. Suitability is determined through a full review with a qualified professional.

The Moving Parts

Nine components. Working in concert.

A well-designed strategy coordinates each piece. Select any component to learn its role.

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The Long-Term View

More than funding a contract. A long-term relationship.

  1. 01

    Structure

    Design the annuity and financing around your objectives.

  2. 02

    Funding

    Client and lender capital fund premiums as structured.

  3. 03

    Monitoring

    Contract performance, loan terms, and collateral are reviewed regularly.

  4. 04

    Management

    Adjustments keep the strategy aligned as conditions evolve.

  5. 05

    Long-Term Planning

    Income, liquidity, and legacy objectives, pursued over time.

The Advanced Planning Ecosystem

One pathway within a larger plan.

Portfolio III • Advanced Planning

Adjacent pathways are explored individually during your strategy session.