Broker Check
Innovative Financing

Innovative Financing

November 28, 2023

As the Premium Finance Director of our esteemed financial group, I am privileged to spearhead an innovative approach that has been reshaping the landscape of life insurance – premium finance. In this article, we will delve into the intricacies of premium financing, exploring its profound benefits for our clients and the innovative strategies we employ under my guidance.

Unlocking the World of Premium Finance

Premium financing is a dynamic solution that empowers individuals and businesses to secure substantial life insurance coverage without immediate out-of-pocket expenses. As Premium Finance Director, my role revolves around orchestrating financial structures that leverage this powerful tool for our clients' advantage.

The Benefits Unveiled

Premium financing isn't just about facilitating insurance premiums; it's about optimizing financial resources. Clients can redirect capital that would have been allocated for insurance premiums towards high-yield investments or business expansion. This strategy transforms life insurance from a financial burden into a strategic asset.

Tomer Dicturel's Innovative Strategies

In the ever-evolving financial landscape, innovation is key. My approach as Premium Finance Director is centered around tailoring premium financing solutions that align seamlessly with the unique goals and circumstances of our clients. By blending financial acumen with a forward-thinking mindset, we craft strategies that transcend conventional norms.

1. Customized Financing Structures:

I work closely with clients to design financing structures that align with their cash flow and investment objectives. Tailoring the terms and conditions of premium financing ensures a harmonious integration into their overall financial strategy.

2. Dynamic Risk Management:

Premium financing introduces a layer of complexity, but under my guidance, we implement dynamic risk management strategies. This involves constant monitoring, adjustments, and proactive measures to navigate fluctuations in the financial landscape.

3. Strategic Collaboration:

Collaboration is at the heart of successful premium financing. I foster partnerships with leading financial institutions to secure favorable terms for our clients, ensuring that the financial arrangements complement their long-term objectives.

Case Studies: Showcasing Success

The true testament to the impact of premium financing lies in the success stories of our clients. Through meticulous planning and execution, we have witnessed businesses expanding, legacies being preserved, and families securing financial peace of mind – all made possible through innovative premium finance solutions.

In conclusion, as the Premium Finance Director, my commitment is to redefine the possibilities within life insurance. Premium financing isn't just a financial tool; it's a strategic enabler. By embracing innovation and customization, we are not only meeting the needs of our clients but exceeding their expectations, one tailored premium financing solution at a time.


Premium financing strategy is used to purchase life insurance financed partially with borrowed premiums. It allows high net-worth individuals who need a large amount of life insurance to use an alternative method for paying premiums – rather than using your current cash flow or liquidating assets to pay premiums, you obtain the funds needed by borrowing from a third-party lender.

Premium financing relies on internal policy funding to pay back the loan. This is not guaranteed, and results may be more or less favorable than illustrated. The ability to internally fund a life insurance contract will be dependent upon the performance of the contract and is not guaranteed. If remaining policy values and scheduled premiums are insufficient, additional out-of-pocket payments may be needed to keep the policy in force or to repay the loan.

Premium financing is offered and administered independently of the companies of National Life Group. National Life is bound only by the terms of the life insurance contracts issued by the Group insurance companies. Guarantees are dependent upon the claims-paying ability of the issuing company. This business strategy is offered and managed by an independent third party who is not affiliated with Equity Services, Inc. (ESI) or its affiliates. Neither ESI, its affiliates, nor anyone acting on its behalf has evaluated the strategy or is authorized to make any representation regarding the suitability, effectiveness, or legality of this strategy, or the suitability of using life insurance in connection with this strategy.