the solution to your financial security.
About
Us
Who We Are
R/P America Life Services is a unique wealth advisory group focusing on premium financing of life insurance for high net worth individuals. We are in the business of selling and financing Moody's and Standard and Poor's superior A+ rated life insurance products issued by life insurance carriers all of whom have been in existence for more than 125 years and are the most profitable life insurance carriers in the world. These A+ rated life insurance policies are approved by financial institutions to be sold and financed to high net worth individuals/clients who are currently anticipating estate planning in the future to minimize their estate tax and preserve assets and wealth for their family. Premium finance allows for the premiums to be financed so that the insured does not have to come out-of-pocket for the premiums to pay for such policies.
Our Vision
Purchasing life insurance is not necessarily an exciting concept, however, wealthy individuals and families need the estate and asset protection it provides. Rather than pay for it out-of-pocket, R/P America Life Services offers clients creative finance structures where they can leverage their existing assets in order to fund their life insurance needs. By doing so, clients see tremendous savings and can channel the monies that would normally be spent on premiums, into their business or other investments where they can get a much better return.
What
We
Offer
Unique Premium Financing Structures
R/P America Life Services offers unique premium finance structures by nationally recognized financial institutions. These programs have been vetted by several reputable full-service law firms all of whom are nationally recognized as regional leaders. And besides our current financing options, we are always looking for the best terms and conditions for our clients' financing.
A+ Rated Insurance Carriers
R/P America Life Services has longstanding relationships with over 20 life insurance companies. After working with a client to define the policy needs, we solicit quotes. The companies that are used are generally A+ rated by S&P or higher. Each carrier has knowledge of and an appreciation for premium financing as a strategy. We advise many of these companies on the development of products that work more efficiently for premium financed transactions.
Lenders
R/P America Life Services arranges the appropriate financing from well-recognized, international lending institutions or banks. We add value by fully understanding each lender's program so that we can pair the client with the most appropriate and cost-efficient lender.
Analysis
R/P America Life Services stands committed to the process of life insurance and estate analysis. We believe this analysis is one of the most important processes that affluent people use to create a successful life insurance plane.
Savings Solutions
Our life insurance premium finance structures are powerful leveraged transactions that permit high net worth individuals to finance the purchase of large amounts of life insurance at very competitive borrowing rates. By doing so, clients are able to redirect the monies that would normally be spent on premiums, to their business or other investments where they can get a better ROI.
Why
Us
Deep Industry Knowledge
R/P America Life Services focuses exclusively on premium financing of life insurance. In doing so, we have been able to build relationships with A+ rated or higher life insurance companies and nationally recognized lenders. We have in-depth knowledge of the systems and processes these institutions have applied and therefore can help facilitate premium finance transactions.
Years of Experience
With a combined experience of over 30 years, R/P America Life Services has long-standing relationships with over 20 life insurance companies. After working with a client to define the policy needs, we solicit quotes. The companies that we use are generally A+ rated by S&P or higher. We advise many of these companies on the development of products that work more efficiently for premium financed transactions.
In-house Research Teams
Besides helping coordinate both the medical and financial underwriting for client premium financing, R/P America Life Services' in house team can run the proper illustrations and analysis for our clients ensuring that their proper insurance needs are met with the best financing terms available.