Premium financing, side by side with your client.
Enter the policy, the bank's loan offer and the cash values from the insurer's illustration. The returns, the interest cost, the rate the plan can survive and a client-ready PDF follow instantly.
For licensed agents · illustrative
Where the value comes from
Each bar is the policy's cash value, stacked from your capital and the bank loan up to the interest paid and the net gain on top. Hover a bar for the numbers.
Year by year
Return on own cash is the headline figure clients see elsewhere. Return on all cash in counts the interest paid too. IRR is the annualised figure to compare with other options.
If interest rates rise
Return on own cash at higher loan rates, and the break-even rate where the plan stops making money.
Talking points for the client
Plain-language lines generated from these numbers, including the risks you should discuss.
Compare plans & banks
Tick any plan with any bank offer. Lines and rankings update as you change picks, rates or bonus assumptions.
Bank offersEvery offer is editable here; the grid, chart and ranking follow as you type.
Every combination
Own cash, monthly interest and returns for each pick. The best figure in each column is marked.