Disclosures
Version 2026.1 · Effective Jul 14, 2026
Dashboard
Informational Purposes Only
This dashboard is a monitoring and educational tool. It is not an offer, solicitation, recommendation, or advice to purchase, retain, surrender, exchange, or modify any insurance policy or loan. It does not constitute tax, legal, or accounting advice.
Data Currency and "As Of" Dates
All policy values, loan balances, accrued interest, and collateral figures are shown as of the date indicated and change continuously. Cash values, index credits, and loan balances may differ materially by the time you view this page. Do not rely on these figures for transactional decisions without confirming current values.
Official Records Control
Information is compiled from carrier statements, lender statements of account, and illustrations provided by third parties. In the event of any discrepancy, the carrier's policy contract and official statements and the lender's loan documents and statement of account govern in all respects. Vision Consulting Group does not guarantee the accuracy, completeness, or timeliness of third-party data.
Hypothetical Projections
Any forward-looking values, ledgers, or scenarios are hypothetical illustrations based on assumptions — including crediting rates, loan interest rates, cap and participation rates, cost of insurance, mortality, and premium payments — that will not be realized as shown. They are not predictions, guarantees, or estimates of actual future results. Actual results will differ, and may differ materially and adversely. Illustrated results do not represent a range of likely outcomes.
Compensation and Conflicts of Interest
Vision Consulting Group and its representatives are compensated through commissions and other consideration paid by insurance carriers, and may receive compensation in connection with lender relationships. This creates an incentive to recommend the sale, retention, or restructuring of financed policies. Additional conflicts information is available on request.
Not a Bank Product
Insurance policies are not bank deposits, are not FDIC-insured, and are not guaranteed by any bank or government agency. All policy guarantees are subject solely to the claims-paying ability of the issuing carrier.
Premium Finance Strategy
Preamble
Premium finance for life insurance involves both benefits and risks. Clients should carefully consider the following to ensure the strategy is, and continues to be, suitable given their unique circumstances.
Loan Obligations
Premium finance is a loan that must be repaid. It is not a feature of the insurance policy. Interest rates may be variable and can rise materially, increasing carrying costs and total repayment. Lenders may require collateral, modify terms at renewal, decline to renew, or accelerate the loan. Loan documents may require a personal guaranty, exposing the borrower's personal assets beyond the pledged collateral.
Interest Rate and Arbitrage Risk
The strategy's economics depend on policy crediting exceeding loan interest cost over time. This spread is not guaranteed and may be negative for extended periods. Rising loan rates, falling crediting rates, or both simultaneously can materially impair or eliminate the projected benefit.
Exit Strategy
Repayment depends on a defined plan — death benefit, policy cash value, or outside liquidity. If the exit plan fails or is delayed, the borrower may face significant personal obligations, may be required to contribute outside assets, or may be forced to surrender the policy on unfavorable terms.
Collateral and Liquidity
Outside collateral is typically required in addition to the policy itself. Collateral requirements are recalculated periodically and can increase — particularly if policy values underperform or loan balances grow — creating liquidity strain and requiring additional posting on short notice. Failure to meet a collateral call may result in default, liquidation of pledged assets, or policy surrender.
Policy Performance
Crediting rates, index caps, participation rates, spreads, bonuses, and cost of insurance charges are not guaranteed and may be changed by the carrier at its discretion, subject to contractual limits. Index-linked crediting does not include dividends and is subject to caps and floors. Underperformance may require additional premium, additional collateral, a reduction in death benefit, or restructuring of the policy.
Lapse and Tax Consequences of Failure
If the policy lapses or is surrendered while a loan is outstanding, the outcome can be severe: loss of insurance coverage, loss of premiums and collateral, and recognition of ordinary income to the extent of gain in the contract — potentially without corresponding cash to pay the resulting tax. Surrender charges may further reduce available value in early policy years.
Tax and Regulatory
Premium finance may create income, gift, or estate tax consequences, including in connection with ILIT arrangements, Crummey gifting, and split-dollar structures. Tax law and carrier or lender regulation may change, potentially retroactively. Vision Consulting Group does not provide tax or legal advice. Clients must rely on their own qualified tax and legal advisors.
Suitability
Premium financing is appropriate only for clients with substantial net worth, meaningful liquidity, an ongoing need for permanent death benefit, and tolerance for leverage risk. It is not suitable as an investment or retirement income strategy standing alone. Non-financed alternatives — including paying premiums from available cash, purchasing a smaller policy, or forgoing coverage — should be considered.
Counterparty
The lender and the carrier are independent third parties. Each retains contractual rights that may be exercised adversely to the client's interest, and neither is controlled by Vision Consulting Group.
Ongoing Oversight
Premium finance requires active, continuous management. Missed loan payments, unpaid interest, policy lapse, collateral shortfalls, or failure to respond to a lender or carrier notice can result in significant and permanent financial loss. Clients are responsible for reviewing carrier and lender correspondence directly.