{"id":15,"date":"2023-09-27T12:10:58","date_gmt":"2023-09-27T12:10:58","guid":{"rendered":"https:\/\/premiumfinancegroup.com\/?page_id=15"},"modified":"2024-08-09T18:38:59","modified_gmt":"2024-08-09T18:38:59","slug":"home","status":"publish","type":"page","link":"https:\/\/premiumfinancegroup.com\/","title":{"rendered":"Home"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"15\" class=\"elementor elementor-15\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50e665c4 e-flex e-con-boxed e-con e-parent\" data-id=\"50e665c4\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7ece3e60 e-con-full e-flex e-con e-child\" data-id=\"7ece3e60\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-413ff574 elementor-widget elementor-widget-heading\" data-id=\"413ff574\" 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\">HOW<\/span> IT WORKS<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-437aa135 elementor-widget elementor-widget-text-editor\" data-id=\"437aa135\" 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>Premiums 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.<\/p><p>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. Moreover, 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\u2019 desire.<\/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-58b5faef e-con-full e-flex e-con e-child\" data-id=\"58b5faef\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39245534 elementor-widget elementor-widget-image\" data-id=\"39245534\" 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=\"1920\" height=\"1282\" src=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_55176070.jpeg\" class=\"attachment-full size-full wp-image-377\" alt=\"\" srcset=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_55176070.jpeg 1920w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_55176070-300x200.jpeg 300w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_55176070-1024x684.jpeg 1024w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_55176070-768x513.jpeg 768w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/AdobeStock_55176070-1536x1026.jpeg 1536w\" 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<div class=\"elementor-element elementor-element-8538053 e-flex e-con-boxed e-con e-parent\" data-id=\"8538053\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-62a8b52 e-con-full e-flex e-con e-child\" data-id=\"62a8b52\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee716a1 elementor-widget elementor-widget-heading\" data-id=\"ee716a1\" 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\">OUR<\/span> SERVICES<\/h2>\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-6833fd9 e-flex e-con-boxed e-con e-parent\" data-id=\"6833fd9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-34822f5 e-con-full e-flex e-con e-child\" data-id=\"34822f5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0bd8c4a elementor-widget elementor-widget-image\" data-id=\"0bd8c4a\" 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 class=\"elementor-element elementor-element-2ca1662 elementor-widget elementor-widget-heading\" data-id=\"2ca1662\" 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\">Premium Finance<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-209c380 elementor-widget-tablet_extra__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"209c380\" 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\tPremium Finance Group has become the premiere provider of Premium Finance by funding 100% of the premium cost on our clients\u2019 behalf\u2026\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e658cbd elementor-align-right link_text_arrow elementor-widget-tablet_extra__width-initial elementor-widget elementor-widget-button\" data-id=\"e658cbd\" 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\/services\/#premiumfinance\">\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\">Learn More<\/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-4d9eb31 e-con-full e-flex e-con e-child\" data-id=\"4d9eb31\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c6bc7a elementor-widget elementor-widget-image\" data-id=\"7c6bc7a\" 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 class=\"elementor-element elementor-element-68d70ab elementor-widget elementor-widget-heading\" data-id=\"68d70ab\" 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\">Family and Wealth Protection<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03bbfc2 elementor-widget elementor-widget-text-editor\" data-id=\"03bbfc2\" 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>Life insurance is an essential component to an overall estate plan and can be used to address various financial needs including: income replacement, repaying\u2026<\/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-a8f4ab8 elementor-align-right link_text_arrow elementor-widget elementor-widget-button\" data-id=\"a8f4ab8\" 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\/services\/#familyandwealthprotection\">\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\">Learn More<\/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<div class=\"elementor-element elementor-element-fd9ead2 e-flex e-con-boxed e-con e-parent\" data-id=\"fd9ead2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-577fe07 e-con-full e-flex e-con e-child\" data-id=\"577fe07\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f9c47b9 elementor-widget elementor-widget-image\" data-id=\"f9c47b9\" 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 class=\"elementor-element elementor-element-4c29d9c elementor-widget elementor-widget-heading\" data-id=\"4c29d9c\" 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\">Business Succession Planning<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-979c147 elementor-widget elementor-widget-text-editor\" data-id=\"979c147\" 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\u2026<\/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-f4aa289 elementor-align-right link_text_arrow elementor-widget elementor-widget-button\" data-id=\"f4aa289\" 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\/services\/#businesssuccessionplanning\">\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\">Learn More<\/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-c5ba965 e-con-full e-flex e-con e-child\" data-id=\"c5ba965\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b9048c elementor-widget elementor-widget-image\" data-id=\"6b9048c\" 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 class=\"elementor-element elementor-element-2a76969 elementor-widget elementor-widget-heading\" data-id=\"2a76969\" 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\">Insuring Key Employees<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5ce267 elementor-widget elementor-widget-text-editor\" data-id=\"d5ce267\" 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>In 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\u2026<\/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-219b885 elementor-align-right link_text_arrow elementor-widget elementor-widget-button\" data-id=\"219b885\" 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\/services\/#insuringkeyemployees\">\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\">Learn More<\/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<div class=\"elementor-element elementor-element-655950d e-flex e-con-boxed e-con e-parent\" data-id=\"655950d\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-51acaac e-con-full e-flex e-con e-child\" data-id=\"51acaac\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-804b050 elementor-widget elementor-widget-image\" data-id=\"804b050\" 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 class=\"elementor-element elementor-element-2e489c7 elementor-widget elementor-widget-heading\" data-id=\"2e489c7\" 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\">Term Insurance<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10cfc2d elementor-widget elementor-widget-text-editor\" data-id=\"10cfc2d\" 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>Term Life insurance is the simplest form of life insurance designed to provide temporary protection at an affordable cost. Clients have the option of choosing\u2026<\/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-2b44a78 elementor-align-right link_text_arrow elementor-widget elementor-widget-button\" data-id=\"2b44a78\" 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\/services\/#termlifeinsurance\">\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\">Learn More<\/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-3e11d80 e-con-full e-flex e-con e-child\" data-id=\"3e11d80\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74f554e elementor-widget elementor-widget-image\" data-id=\"74f554e\" 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 class=\"elementor-element elementor-element-b7eacb3 elementor-widget elementor-widget-heading\" data-id=\"b7eacb3\" 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\">Universal Life Insurance<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1eeaa92 elementor-widget elementor-widget-text-editor\" data-id=\"1eeaa92\" 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\u2026<\/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-af982ee elementor-align-right link_text_arrow elementor-widget elementor-widget-button\" data-id=\"af982ee\" 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\/services\/#universallifeinsurance\">\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\">Learn More<\/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<div class=\"elementor-element elementor-element-5fc220b e-con-full e-flex e-con e-parent\" data-id=\"5fc220b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3b9320c e-con-full e-flex e-con e-child\" data-id=\"3b9320c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1feca2c elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"1feca2c\" 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=\"1520\" height=\"1080\" src=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/sailboat-1.jpg\" class=\"attachment-full size-full wp-image-69\" alt=\"\" srcset=\"https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/sailboat-1.jpg 1520w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/sailboat-1-300x213.jpg 300w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/sailboat-1-1024x728.jpg 1024w, https:\/\/premiumfinancegroup.com\/wp-content\/uploads\/2023\/10\/sailboat-1-768x546.jpg 768w\" sizes=\"(max-width: 1520px) 100vw, 1520px\" \/>\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-8b2e69d e-con-full e-flex e-con e-child\" data-id=\"8b2e69d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a5986db bottom_text elementor-widget elementor-widget-heading\" data-id=\"a5986db\" 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\">From our family to yours, our descreet and sound financial advice will get you ahead of the game<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f056ae button_with_arrow elementor-widget elementor-widget-button\" data-id=\"2f056ae\" 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<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>HOW IT WORKS Premiums 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 [&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-15","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/premiumfinancegroup.com\/wp-json\/wp\/v2\/pages\/15"}],"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=15"}],"version-history":[{"count":159,"href":"https:\/\/premiumfinancegroup.com\/wp-json\/wp\/v2\/pages\/15\/revisions"}],"predecessor-version":[{"id":1060,"href":"https:\/\/premiumfinancegroup.com\/wp-json\/wp\/v2\/pages\/15\/revisions\/1060"}],"wp:attachment":[{"href":"https:\/\/premiumfinancegroup.com\/wp-json\/wp\/v2\/media?parent=15"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}