September 8, 2008

Boca Raton, Florida—Imperial Finance & Trading, LLC, a leader in premium finance for life insurance, life insurance sales and structured settlements, provides a new look at life insurance premium financing.  

“There has been a substantial shift in the demographics of clients who are now buying life insurance, with purchases at older ages now exceeding the overall demand for life insurance,” explained Deborah Benaim, Senior Vice President, Retail Premium Finance.

“Imperial’s Premium Finance division, which targets affluent seniors, is positioned to grow with this ever changing market by offering premium financing as a modern choice for funding life insurance premiums.”

Here are some key things to consider when thinking about life insurance premium financing:

Do you carry enough life insurance to replace your income? The average life insurance policy only replaces income for less than 5 years. Through life insurance premium financing you can finance the purchase of a substantial life insurance policy without initially using your retirement money.

What are the benefits of premium financing? By taking out a loan to pay for your insurance, you avoid having to pay the premium all at once. Several policies can be combined into one payment plan from one finance agreement. In addition, policies that take effect in the future can be added onto your already existing contract. Your annual percentage rate stays the same for the duration of your loan, unless otherwise specified in your contract.

About Imperial
Imperial Finance & Trading, LLC is a specialty finance company focused on the life insurance sales, premium finance, and structured settlement industries. Life insurance, premium finance and structured settlement services are provided through licensed affiliates of Imperial Finance & Trading, LLC. Imperial is headquartered in Boca Raton, Florida. For more information please visit www.imprl.com.

For further information contact Darcy Sullivan at dsullivan@imprl.com or (561) 995-4350.