Using other people’s money (OPM) to make money has been a common practice among real estate developers, investors, business owners, and entrepreneurs for a long time. Recently, this concept has been applied to buying life insurance, which has caught the attention of insurance sellers and financial experts. But is this concept actually beneficial or just a sales tactic?

Life insurance is an important aspect of the financial plan for wealthy individuals. Since it often requires substantial premium payments, the strategy of premium financing can be a good solution for clients who don’t want to sell their assets to cover the premiums.

Premium financing is a way to fund the purchase of life insurance for people who have significant wealth and a need for insurance but prefer not to use their available cash. By taking out a loan to pay the insurance premiums, the policyholder can free up capital to use more effectively. Using premium financing may reduce out-of-pocket expenses and potential gift taxes.

The main issue with premium financing is that you usually need to be extremely wealthy, with a net worth of $5 to $10 million, and use your home or business as collateral to finance your life insurance policy. However, we have come up with a solution. Our program allows you to participate even if you’re not a multi-millionaire, and you don’t have to put your valuable assets at risk. Instead, your life insurance policy itself serves as collateral.

Our preferred banks also process everything much faster than traditional premium financing methods. With this approach, you’ll be using other people’s money (OPM) as someone else pays the premiums for you each year, while you earn a significant amount of money through arbitrage. It’s similar to buying a home by getting a loan from the bank.

If you have at least $100,000 available, feel free to reach out to us, and our specialist will guide you through a no-obligation plan, step by step. See if our OPM Program is right for you. We’ll answer all your questions and show you how to get started.