What our Carriers say 

Unlike other premium financing programs, CMS is approved and promoted by 10 respected life insurance carriers.  We have demonstrated the substance of our designs and will continue to work closely with our CMS core carriers.

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MassMutual - "I think that many carriers, such as those who are using the CMS program, think that premium financing can appropriately facilitate the sale of life insurance, if presented in the proper way.  The key thing that we look for is that the client decides to borrow by comparing the cost of borrowing to his/her cost of capital."

AXA - "Premium financing can be a valuable tool to facilitate a life insurance purchase when sold suitably."

John Hancock - "The Capital Maximization Strategy is designed for use in the estate and business planning marketplace where there is a need for life insurance, but there are gift tax concerns and funds can be better used elsewhere."

Pacific Life - "...when used properly it is a dynamic planning tool."

ING - "...the CMS program is specifically designed for estate and business planning purposes, this strategy enables partnerships, individuals, or trusts to borrow life insurance premiums from a third party lender."

Phoenix - "...It is an option available to qualified clients for financing their premium payments.  Given the right circumstances, it may be a highly effective strategy."

Lincoln - "The Capital Maximization Strategy enables you to finance the premiums on your life insurance policy.  Through this approach, you may be able to avoid liquidating your investment portfolio, and remain invested for potential continued growth."

UNIFI - "A way to achieve your long-term life insurance planning goals without affecting current investment and/or business portfolios."

Transamerica - "An innovative life insurance premium financing program..."

SunLife - "...Capital Maximization Strategy (CMS), an innovative and discriminating approach to Estate or Business owner planning for certain high net worth individuals."