Premium Finance


Life insurance can be a great vehicle for estate planning, income replacement, cash accumulation and wealth transfer scenarios. As such, many advisors and clients are looking for temporary and permanent premium finance products to satisfy a wide variety of life insurance planning needs. This is most often due to affluent policy owners wanting to appropriate their cash flow into other assets, making it unaffordable or inconvenient to self-fund the premiums. For these individuals and others like them, premium financing is an excellent resource and a financially savvy alternative to paying premium out of pocket. As both a life settlement and premium finance broker, IMS Associates Financial & Insurance Services can help advisors and clients create a smart and efficient life insurance plan that is catered to their particular needs.

IMS Settlements Premium Financing

IMS Associates has long been a leader in the premium finance market with over thirty years of combined life insurance and finance experience. IMS provides innovative turnkey premium financing solutions to financial advisors and their clients. With access to multiple funding sources and over twenty-five highly rated life brokerage carriers, IMS is able to meet a wide range of financing needs. Providing clients with flexible financing options and loan exit strategies is critical to the success of every premium finance case. That is why agents, advisors, and clients have turned to IMS as their premium finance brokerage of choice.

Premium Finance Key Information


  • Multiple highly rated Insurance Carriers
  • Multiple Banks and funding relationships
  • Highly Leveraged Death Benefit
  • Alternatives to Non-Recourse premium financing

Who Qualifies?

  • High Net Worth Individuals
  • No major health conditions
  • Insured has a need and want for life insurance

Available Programs

  • Traditional Premium Financing
  • Permanent Financing
  • Index UL Financing
  • Inforce Financing
  • & Others

How IMS Settlements Can Help

Each listed program will have a separate list of carriers who have approved the products listed above. IMS will only submit a case to a carrier with full disclosure of the nature of the premium finance program. IMS does not advocate or facilitate any Stranger Owned Life Insurance, does not offer any Non-Recourse loans, does not offer any client inducements, does not set up pre-arranged life settlements, and does not facilitate the sale of any life insurance policy still in the two year contestability period.

Any such statement herein was written to support the marketing or promotion of the transaction(s) or matter(s) to which the statement relates. IMS does not provide any tax advice. Any tax statement herein regarding any US federal tax is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding any penalties. Each taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

  • Over 50 years of Combined Experience
  • Life Settlement Training & Education
  • Competitive & Transparent Auction Process
  • IMS Satisfaction Guarantee
  • Work with an experienced viatical settlement broker
  • Proprietary Policy Pricing Model

"IMS worked hard to help educate us about the process and the suitability of a life settlement. Once we got the process started he was transparent and professional."

- Maggie M.

IMS Satisfaction Guarantee

We hold ourselves to the highest standards of Service and Professionalism so if you don't like our work or our offers - let us know in writing and we will turn over your file.