{"id":137,"date":"2023-10-05T05:59:14","date_gmt":"2023-10-05T05:59:14","guid":{"rendered":"https:\/\/wordpress-941212-3918753.cloudwaysapps.com\/?page_id=137"},"modified":"2024-02-09T16:52:17","modified_gmt":"2024-02-09T16:52:17","slug":"services","status":"publish","type":"page","link":"https:\/\/premiumfinancegroup.com\/services\/","title":{"rendered":"Services"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"137\" class=\"elementor elementor-137\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-586fa714 e-flex e-con-boxed e-con e-parent\" data-id=\"586fa714\" data-element_type=\"container\" id=\"premiumfinance\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7cc1145f e-con-full e-flex e-con e-child\" data-id=\"7cc1145f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75003a6d elementor-widget elementor-widget-image\" data-id=\"75003a6d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"120\" height=\"120\" src=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/09\/icon1.png\" class=\"attachment-full size-full wp-image-48\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a90d04d e-con-full e-flex e-con e-child\" data-id=\"6a90d04d\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-74ed3b46 e-flex e-con-boxed e-con e-child\" data-id=\"74ed3b46\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1bdae3ce elementor-widget elementor-widget-heading\" data-id=\"1bdae3ce\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"gray\">PREMIUM<\/span> FINANCE<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f050da5 e-flex e-con-boxed e-con e-child\" data-id=\"7f050da5\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-511046e1 e-con-full e-flex e-con e-child\" data-id=\"511046e1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-479e2793 faq_ans elementor-widget elementor-widget-text-editor\" data-id=\"479e2793\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Premium Finance Group has become the premiere provider of Premium Finance by funding 100% of the premium cost on our clients\u2019 behalf. Having established relationships with the most prestigious financial institutions and insurance carriers, we provide clients with access to the best products in the market.<\/p><p>Premium Finance is a unique solution that provides clients the opportunity to purchase the life insurance needed to accomplish their financial goals while keeping high-performing investments in place and without having to liquidate assets to pay high insurance premiums.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4081f9c8 e-con-full e-flex e-con e-child\" data-id=\"4081f9c8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f34329f elementor-widget elementor-widget-heading\" data-id=\"4f34329f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">HOW PREMIUM FINANCING WORKS:<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a591c29 faq_ans elementor-widget elementor-widget-text-editor\" data-id=\"a591c29\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tPremiums for the insurance policy are paid by the lender, while the policy cash values are used as collateral. The policy is designed to capitalize on the arbitrage between the crediting rate of a high cash value life insurance policy and the cost of borrowing. This positive arbitrage allows for sufficient cash build-up so that eventually the loan can be repaid while keeping enough cash in the policy to keep the policy in-force for life.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42dcead4 e-flex e-con-boxed e-con e-child\" data-id=\"42dcead4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-59b8499a e-con-full e-flex e-con e-child\" data-id=\"59b8499a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60b74235 elementor-widget elementor-widget-heading\" data-id=\"60b74235\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">PFG works closely with clients every step of the way, from designing the insurance policy to maximize cash accumulation, to ensuring that the loan is approved.<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e08ea24 faq_ans elementor-widget elementor-widget-text-editor\" data-id=\"2e08ea24\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tMoreover, we work with our clients\u2019 advisors in establishing an irrevocable life insurance trust (ILIT) or LLC as the owner of the policy, and once the policy is issued, we monitor it on a yearly basis to ensure it continues to provide the benefits and efficiencies our clients desire.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed4996d button_with_arrow  elementor-widget elementor-widget-button\" data-id=\"ed4996d\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/premiumfinancegroup.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 512.009 512.009\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g><path d=\"M508.625 247.801 392.262 131.437c-4.18-4.881-11.526-5.45-16.407-1.269-4.881 4.18-5.45 11.526-1.269 16.407.39.455.814.88 1.269 1.269l96.465 96.582H11.636C5.21 244.426 0 249.636 0 256.063s5.21 11.636 11.636 11.636H472.32l-96.465 96.465c-4.881 4.18-5.45 11.526-1.269 16.407s11.526 5.45 16.407 1.269c.455-.39.88-.814 1.269-1.269l116.364-116.364c4.511-4.537 4.511-11.867-.001-16.406z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\" class=\"\"><\/path><\/g><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SPEAK WITH A REPRESENTATIVE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-014de56 e-flex e-con-boxed e-con e-parent\" data-id=\"014de56\" data-element_type=\"container\" id=\"familyandwealthprotection\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0fa9b0e e-con-full e-flex e-con e-child\" data-id=\"0fa9b0e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55c8a4b elementor-widget elementor-widget-image\" data-id=\"55c8a4b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"120\" height=\"120\" src=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/09\/icon2.png\" class=\"attachment-full size-full wp-image-49\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28784ee e-con-full e-flex e-con e-child\" data-id=\"28784ee\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-380dbc8 e-flex e-con-boxed e-con e-child\" data-id=\"380dbc8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ea0c4b elementor-widget elementor-widget-heading\" data-id=\"4ea0c4b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"gray\">FAMILY AND<\/span> WEALTH PROTECTION<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-890311f e-flex e-con-boxed e-con e-child\" data-id=\"890311f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-980494b e-con-full e-flex e-con e-child\" data-id=\"980494b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c4e6185 elementor-widget elementor-widget-image\" data-id=\"c4e6185\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"682\" src=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/Family-1-961x1024.jpg\" class=\"attachment-large size-large wp-image-509\" alt=\"\" srcset=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/Family-1-961x1024.jpg 961w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/Family-1-282x300.jpg 282w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/Family-1-768x818.jpg 768w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/Family-1.jpg 1197w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bf9ce2e e-con-full e-flex e-con e-child\" data-id=\"bf9ce2e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81e85ed elementor-widget elementor-widget-heading\" data-id=\"81e85ed\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Life insurance is an essential component to an overall estate plan and can be used to address various financial needs including:<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0d07b1 faq_ans elementor-widget elementor-widget-text-editor\" data-id=\"b0d07b1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>income replacement<\/li><li>repaying outstanding debt so that heirs are not burdened<\/li><li>providing liquidity without having to sell off existing assets<\/li><li>paying estate taxes.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bb19eb1 e-flex e-con-boxed e-con e-child\" data-id=\"bb19eb1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-108b163 e-con-full e-flex e-con e-child\" data-id=\"108b163\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b67f5f faq_ans elementor-widget elementor-widget-text-editor\" data-id=\"6b67f5f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>An unfortunate example of the incredible burden resulting from lack of proper planning is the case of Joe Robbie. Mr. Robbie was a successful businessman and owner of the Miami Dolphins, one of the most valuable franchises in professional sports. At his untimely death, his estate was valued at $100 million, and the estate taxes due to the US Treasury nine months after his death were in excess of $45 million. The family was forced to immediately sell the team at a deeply discounted price. This resulted in tremendous financial and emotional stress and hardship on the family.<\/p><p>With the proper estate plan, you can avoid the difficulties such as those experienced by Mr. Robbie\u2019s heirs and ensure that everything you\u2019ve worked so hard to build can be passed to your heirs and loved ones.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5309ed0 e-con-full e-flex e-con e-child\" data-id=\"5309ed0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bd8e9e0 elementor-widget elementor-widget-heading\" data-id=\"bd8e9e0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">There are also many living benefits of life insurance.<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f1c3c7 faq_ans elementor-widget elementor-widget-text-editor\" data-id=\"6f1c3c7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>\u00a0Universal Life Insurance combines the security of a permanent death benefit with the potential for strong cash accumulation and savings. You can tap into the cash values if needed at any time. One notable example is Walt Disney who borrowed money from his life insurance policy after the bank denied him a loan to fund his new business venture, Disneyland.<\/p><p>PFG will work closely with you to determine how best to protect your wealth and provide for your family\u2019s wellbeing.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-886636d e-flex e-con-boxed e-con e-parent\" data-id=\"886636d\" data-element_type=\"container\" id=\"businesssuccessionplanning\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7212d00 e-con-full e-flex e-con e-child\" data-id=\"7212d00\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1276f5d elementor-widget elementor-widget-image\" data-id=\"1276f5d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"120\" height=\"120\" src=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/09\/icon3.png\" class=\"attachment-full size-full wp-image-50\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-83d261c e-con-full e-flex e-con e-child\" data-id=\"83d261c\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-413673a e-flex e-con-boxed e-con e-child\" data-id=\"413673a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4934671 elementor-widget elementor-widget-heading\" data-id=\"4934671\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"gray\">BUSINESS<\/span> SUCCESSION PLANNING<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-383a8e6 e-flex e-con-boxed e-con e-child\" data-id=\"383a8e6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d5ad354 e-con-full e-flex e-con e-child\" data-id=\"d5ad354\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c94a4e faq_ans elementor-widget elementor-widget-text-editor\" data-id=\"9c94a4e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>One of the key aspects of business succession planning is working out the financial pitfalls following the death of a business owner. If the business is a partnership, an important consideration is having the necessary liquidity available to buy out the deceased partner\u2019s share.\u00a0 An ideal solution for business owners is a Buy-Sell Agreement funded with an insurance policy.<\/p><p>In a Cross-Purchase Buy-Sell Agreement, each shareholder buys a life insurance policy on the other party. In the event of death, the respective policy pays an amount that allows the surviving shareholder to purchase the deceased\u2019s share of the company. Under an Entity Buy-Sell Agreement, the business entity agrees to purchase the interests of the individual owners. Policy proceeds or cash values are used to purchase the interests of the owners at death.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4d5842 faq_ans elementor-widget elementor-widget-text-editor\" data-id=\"e4d5842\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3>There are many benefits to implementing a Buy-Sell Agreement including:<\/h3><ul class=\"list\"><li>Preventing dilution of corporate ownership<\/li><li>Providing ready liquidity for family or beneficiaries of the deceased who have no interest in participating in the business<\/li><li>Providing for a smooth transfer of assets at a pre-determined and agreed upon value.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f44c032 button_with_arrow  elementor-widget elementor-widget-button\" data-id=\"f44c032\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/premiumfinancegroup.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 512.009 512.009\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g><path d=\"M508.625 247.801 392.262 131.437c-4.18-4.881-11.526-5.45-16.407-1.269-4.881 4.18-5.45 11.526-1.269 16.407.39.455.814.88 1.269 1.269l96.465 96.582H11.636C5.21 244.426 0 249.636 0 256.063s5.21 11.636 11.636 11.636H472.32l-96.465 96.465c-4.881 4.18-5.45 11.526-1.269 16.407s11.526 5.45 16.407 1.269c.455-.39.88-.814 1.269-1.269l116.364-116.364c4.511-4.537 4.511-11.867-.001-16.406z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\" class=\"\"><\/path><\/g><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SPEAK WITH A REPRESENTATIVE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59b7682 e-con-full e-flex e-con e-child\" data-id=\"59b7682\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ff4acd9 elementor-widget elementor-widget-image\" data-id=\"ff4acd9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"919\" src=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/Boat-713x1024.jpg\" class=\"attachment-large size-large wp-image-530\" alt=\"\" srcset=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/Boat-713x1024.jpg 713w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/Boat-209x300.jpg 209w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/Boat-768x1103.jpg 768w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/Boat-1069x1536.jpg 1069w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/Boat-1425x2048.jpg 1425w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/Boat.jpg 1479w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f1683a4 e-flex e-con-boxed e-con e-parent\" data-id=\"f1683a4\" data-element_type=\"container\" id=\"insuringkeyemployees\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-af4972f e-con-full e-flex e-con e-child\" data-id=\"af4972f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ae7c0c elementor-widget elementor-widget-image\" data-id=\"3ae7c0c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"120\" height=\"120\" src=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/09\/icon4.png\" class=\"attachment-full size-full wp-image-51\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-85eec02 e-con-full e-flex e-con e-child\" data-id=\"85eec02\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-423f0bf e-flex e-con-boxed e-con e-child\" data-id=\"423f0bf\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-03b22d8 elementor-widget elementor-widget-heading\" data-id=\"03b22d8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"gray\">INSURING<\/span> KEY EMPLOYEES<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d58fff2 e-flex e-con-boxed e-con e-child\" data-id=\"d58fff2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-95e3988 e-con-full e-flex e-con e-child\" data-id=\"95e3988\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c237c30 faq_ans elementor-widget elementor-widget-text-editor\" data-id=\"c237c30\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tIn a closely held corporation there is typically one or more individuals who is vital to the success of the business. The loss of a valuable employee could mean financial disaster for the organization. Protecting against this loss plus providing additional benefits to key employees is critical to these types of firms. The Key Person Insurance provides the employer with peace of mind and the protection needed in order to maintain the success of a business in case of the unfortunate loss of a key employee or executive.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-83af7c6 e-con-full e-flex e-con e-child\" data-id=\"83af7c6\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f5b259d elementor-widget elementor-widget-text-editor\" data-id=\"f5b259d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3>Some advantages of Key Man Insurance include:<\/h3><ul><li>Covering financial losses that may occur from the loss of a key person<\/li><li>Assuring continuity of the business for employees, customers and creditors<\/li><li>Providing liquidity for finding and training a suitable replacement for that key person<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ffbfedb e-flex e-con-boxed e-con e-parent\" data-id=\"ffbfedb\" data-element_type=\"container\" id=\"termlifeinsurance\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-714446a e-con-full e-flex e-con e-child\" data-id=\"714446a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf43448 elementor-widget elementor-widget-image\" data-id=\"cf43448\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"120\" height=\"120\" src=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/09\/icon5.png\" class=\"attachment-full size-full wp-image-52\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0921d96 e-con-full e-flex e-con e-child\" data-id=\"0921d96\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bf2c5ef e-flex e-con-boxed e-con e-child\" data-id=\"bf2c5ef\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-90961e4 elementor-widget elementor-widget-heading\" data-id=\"90961e4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"gray\">TERM<\/span> LIFE INSURANCE<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d68d27f e-flex e-con-boxed e-con e-child\" data-id=\"d68d27f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b26fede e-con-full e-flex e-con e-child\" data-id=\"b26fede\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6460262 elementor-widget elementor-widget-image\" data-id=\"6460262\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"428\" src=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_55176070-1-1024x684.jpeg\" class=\"attachment-large size-large wp-image-544\" alt=\"\" srcset=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_55176070-1-1024x684.jpeg 1024w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_55176070-1-300x200.jpeg 300w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_55176070-1-768x513.jpeg 768w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_55176070-1-1536x1026.jpeg 1536w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_55176070-1.jpeg 1920w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2d3ee80 e-con-full e-flex e-con e-child\" data-id=\"2d3ee80\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-986c93f faq_ans elementor-widget elementor-widget-text-editor\" data-id=\"986c93f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tTerm Life insurance is the simplest form of life insurance designed to provide temporary protection at an affordable cost. Clients have the option of choosing to pay premiums for 10, 20 or 30 years. It is well suited for short-term goals such as life insurance coverage to pay off a loan, or to provide extra life insurance protection during child rearing years.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e7a6827 e-flex e-con-boxed e-con e-parent\" data-id=\"e7a6827\" data-element_type=\"container\" id=\"universallifeinsurance\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3222b40 e-con-full e-flex e-con e-child\" data-id=\"3222b40\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b3c7b9 elementor-widget elementor-widget-image\" data-id=\"1b3c7b9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"120\" height=\"120\" src=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/09\/icon6.png\" class=\"attachment-full size-full wp-image-53\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cb28e3c e-con-full e-flex e-con e-child\" data-id=\"cb28e3c\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1034eb8 e-flex e-con-boxed e-con e-child\" data-id=\"1034eb8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da27e80 elementor-widget elementor-widget-heading\" data-id=\"da27e80\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"gray\">UNIVERSAL<\/span> LIFE INSURANCE<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a3c6a2d e-flex e-con-boxed e-con e-child\" data-id=\"a3c6a2d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e28395f e-con-full e-flex e-con e-child\" data-id=\"e28395f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e02ccf5 faq_ans elementor-widget elementor-widget-text-editor\" data-id=\"e02ccf5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Universal Life Insurance provides clients an affordable and efficient solution that combines the security of a permanent death benefit with the flexibility in premiums to accommodate changing financial circumstances. UL Insurance is ideal for clients who need strong asset growth to help them reach important financial goals such as a comfortable retirement and college funding. It is also an ideal solution for companies who want to offer additional incentives by providing company-paid life insurance.<\/p><p>An Indexed UL offers clients the opportunity to invest part of their premiums in various indexes including the S&amp;P 500, the Hang Seng, the EURO STOXX50 and the MSCI Emerging Markets Index, while providing downside protection. A Survivorship UL offers the opportunity for strong cash accumulation while providing protection on the lives of two individuals, which can significantly reduce the cost of insurance. It can be ideal for individuals with common goals such as parents or business partners.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a0a1d6 e-flex e-con-boxed e-con e-child\" data-id=\"5a0a1d6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f75111c elementor-widget elementor-widget-heading\" data-id=\"f75111c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">PFG will help you determine what product is best suited for you.\n\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25167e4 button_with_arrow  elementor-widget elementor-widget-button\" data-id=\"25167e4\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/premiumfinancegroup.com\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"512\" height=\"512\" x=\"0\" y=\"0\" viewBox=\"0 0 512.009 512.009\" style=\"enable-background:new 0 0 512 512\" xml:space=\"preserve\" class=\"\"><g><path d=\"M508.625 247.801 392.262 131.437c-4.18-4.881-11.526-5.45-16.407-1.269-4.881 4.18-5.45 11.526-1.269 16.407.39.455.814.88 1.269 1.269l96.465 96.582H11.636C5.21 244.426 0 249.636 0 256.063s5.21 11.636 11.636 11.636H472.32l-96.465 96.465c-4.881 4.18-5.45 11.526-1.269 16.407s11.526 5.45 16.407 1.269c.455-.39.88-.814 1.269-1.269l116.364-116.364c4.511-4.537 4.511-11.867-.001-16.406z\" fill=\"#000000\" opacity=\"1\" data-original=\"#000000\" class=\"\"><\/path><\/g><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">SPEAK WITH A REPRESENTATIVE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b3b6699 e-con-full e-flex e-con e-child\" data-id=\"b3b6699\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a801417 elementor-widget elementor-widget-image\" data-id=\"a801417\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"2400\" src=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_602782982.jpeg\" class=\"attachment-full size-full wp-image-548\" alt=\"\" srcset=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_602782982.jpeg 1920w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_602782982-240x300.jpeg 240w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_602782982-819x1024.jpeg 819w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_602782982-768x960.jpeg 768w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_602782982-1229x1536.jpeg 1229w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_602782982-1638x2048.jpeg 1638w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>PREMIUM FINANCE Premium Finance Group has become the premiere provider of Premium Finance by funding 100% of the premium cost on our clients\u2019 behalf. Having established relationships with the most prestigious financial institutions and insurance carriers, we provide clients with access to the best products in the market. Premium Finance is a unique solution that [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-137","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/premiumfinancegroup.com\/wp-json\/wp\/v2\/pages\/137"}],"collection":[{"href":"https:\/\/premiumfinancegroup.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/premiumfinancegroup.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/premiumfinancegroup.com\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/premiumfinancegroup.com\/wp-json\/wp\/v2\/comments?post=137"}],"version-history":[{"count":92,"href":"https:\/\/premiumfinancegroup.com\/wp-json\/wp\/v2\/pages\/137\/revisions"}],"predecessor-version":[{"id":962,"href":"https:\/\/premiumfinancegroup.com\/wp-json\/wp\/v2\/pages\/137\/revisions\/962"}],"wp:attachment":[{"href":"https:\/\/premiumfinancegroup.com\/wp-json\/wp\/v2\/media?parent=137"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}