Insurance Premium Financing

The Private Bank at Commerce Trust can help you transfer your estate or business tax-efficiently* while preserving your liquidity using life insurance premium finance. It is a wealth management strategy that may enable individuals, companies, and trusts to borrow funds to pay permanent life insurance premiums.
With this strategy, borrowers can:
⦁ Preserve investable liquidity by borrowing the premium payments associated with large life insurance policies used in estate and/or business succession planning
⦁ Only pay the interest on the borrowed premiums until the policy builds up enough cash value to retire the debt or another repayment schedule is established
Learn more about insurance premium finance for estate transfer and business succession, exit, and transition planning.
*Consult a tax advisor.
The Private Bank at Commerce Trust is a business unit of Commerce Trust, a division of Commerce Bank. Products and services referenced here are available through bank and non-bank affiliates of Commerce Bank.
Mutual funds, annuities, and other investment products: Not FDIC-insured | May lose value | No bank guarantee
Investing involves risk. There is always the potential of losing money when you invest in securities.
Commerce Trust does not provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.
Past performance is no guarantee of future results.
Information or data from third parties is considered to be from reliable sources but is not guaranteed.