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How Do You Qualify for Premium Financed Life Insurance?

Even after all my years in the Premium Finance industry, I still frequently get questioning looks when I talk about what my company does. 

While premium financed life insurance is a relatively common investment strategy – it is often only utilized by people in the industry, or those with especially deep pockets.

Financial Advisors for the ultra-rich are familiar with this investment strategy, but every advisor should have it in their back pocket for a certain group of their clientele.

Who is this “certain group”? Well, many people who could benefit from this approach are never made aware that they’re eligible.

Our clients’ professions include:

  1. Small-to-medium sized Business Owners

  2. Entrepreneurs

  3. Doctors and Dentists

  4. Attorneys

  5. C-Level Executives

  6. Commercial Real Estate Professionals

…And that is just to name a few.

If you work in a field with high income potential and are advanced in your career, odds are, not only would you qualify for PFLI, but you could see a wide variety of benefits from this strategy. 

These benefits include protecting your assets today and building wealth for tomorrow, all within a tax-free environment.

Who is Eligible for a Premium Life Insurance Policy?

You don’t have to be the founder of a Fortune 500 company to be eligible for premium financed life insurance.

At Enhanced Funding Solutions, we work with diverse clientele with varying networks and financial goals. 

It is also not reserved for those who need wildly large life insurance policies.  As someone who secured their first PFLI policy at the age of 25 – and has enjoyed real returns ever since – I can personally attest to the fact that the sooner you start, the better off you are. 

Put simply, this investment vehicle can help people who come from a wide variety of financial backgrounds secure their future.

How to Qualify for a Premium Financing

The minimum requirement to qualify for a PFLI policy requires clients to have household earnings of $200,000 per year and make a $35,000 yearly contribution for 5, 7 or 10 years

This contribution, when combined with additional funding from a lender, overfunds the policy.

The insurance company then pays interest on that large value, which has historically provided a IRR of 8%-15%. 

While you do not have to be an experienced investor to qualify for premium financed life insurance, many of our clients:

  1. Have a broad investment portfolio

  2. Hold diverse and fully-funded retirement accounts

  3. Own at least one property, plus sophisticated equity and fixed investments

Our firm works one-on-one with each client and their financial advisor(s) to assess their current policy and financial portfolio while comparing it against their future needs and goals.

We analyze personal factors including risk tolerance, interest and time.

Then we help you secure the best life insurance policy for your personal financial goals and put your money to work for you.

How to Apply for Premium Financed Life Insurance

At EFS, we strive to make the process of applying for PFLI as simple as possible. To learn if you qualify, you can fill out the Enhanced Qualifier form on our website.

You can also reach out to me directly to learn more if you’d like to talk through the options:

We personally review your individual goals and provide guidance on suitability of coverage.

We then curate and share samples to provide you with a better understanding of how our solutions could potentially enhance your financial position.

In each step of this process, EFS will provide full transparency about the solutions available to you and their potential risks.

Being experts in this niche enables my partners and I to identify exactly how to provide each individual client their strongest policy position.

Having been a client for many years before launching my firm, I know so many people could be benefiting from premium financing.

In short, life insurance is an asset, and as such, it should be earning you money for retirement.  

If you have any questions about your eligibility and the application process, please reach to me: or 773-318-9608.

Click below to read my Guide to Premium Financed Life Insurance:

premium financed life insurance - 1 - jeff faine - enhanced funding solutions



901 N Lake Destiny Drive, STE 380

Maitland, FL 32751


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