Insurance Premium Financing

The Advantages of Insurance
Premium Financing             

For high net-worth individuals and families, life insurance is an integral part of estate, wealth, and succession planning. The premiums for these policies can create a significant cash obligation. Life insurance premium financing enables individuals, companies and trusts to use leverage to effectively manage that obligation. The Private Bank at Commerce Trust can help high net worth clients acquire the life insurance they need while maintaining access to their personal capital and liquidity.


Life insurance premium finance can allow an insurance policy holder to:

  • Utilize a valuable tool to complement wealth transfer planning for the next generation or support business succession planning
  • Avoid liquidating current assets, which could mitigate potential tax exposure risk
  • Maximize insurance coverage while optimizing cash flow
  • Access liquidity at an interest rate that may be less than the return on their current assets

    Specialists Versed in Helping
High Net Worth Clients

Our experienced Insurance Premium Finance specialists understand the intricacies of insurance premium finance and structures each solution to fit the client’s unique needs, taking into account how this strategy can benefit a client’s overall wealth management plan.

Assuming a minimum annual premium of at least $500,000, Commerce Trust offers:

  • Financing in all 50 states
  • Multiple rate and term options, including floating and fixed rates
  • Re-financing existing loans at other lenders

The Private Bank at Commerce Trust is a business unit of Commerce Trust, a division of Commerce Bank, Member FDIC.

Commerce does not provide tax advice or legal advice to customers. Consult a tax specialist regarding tax implications related to any product and specific financial situation. 

Request a call from a Commerce Trust Insurance Premium Finance Professional to discuss insurance premium financing options.

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