entrusted with more.
Multiply Insurance helps high-net-worth families use sophisticated insurance and financing strategies to multiply the reach of what they’ve built — structuring what already exists today to do more tomorrow.
legacy isn’t an afterthought.
We work with families, entrepreneurs, and stewards of capital who believe wealth is not only something to preserve, but something to purpose. Through premium-financed life insurance strategies, Multiply allows existing assets—real estate, concentrated investments, illiquid holdings—to become the foundation for your legacy outcomes.
The result: generational leverage and philanthropic reach that far exceeds the original balance sheet and multiplies your impact.
Multiply designs and oversees premium-financed life insurance strategies for a highly select clientele.
In simple terms, we help clients:
- Use existing assets as collateral rather than liquidating them
- Secure substantial life insurance coverage with reduced out-of-pocket cash flow
- Direct future benefits toward heirs, charitable vehicles, or both
- Maintain flexibility, control, and rigorous ongoing oversight
Each strategy is custom-built. Every variable matters. And every engagement begins with a deeper question: What should my wealth ultimately make possible?
Clients collateralize assets (often real estate or investment portfolios) rather than funding premiums outright.
Banking partners finance insurance premiums based on that collateral, contributing capital into the policy over time.
Policies are typically structured using indexed universal life, designed for durability, downside protection, and long-term performance.
Loans are ultimately repaid from policy values. Remaining benefits flow—tax-efficiently—to family trusts, foundations, or donor-advised funds.
The mechanics are complex.
The outcome is elegant: more impact without sacrificing optionality.
- Hold significant real estate or concentrated assets
- Think in decades, not quarters
- Care deeply about legacy, stewardship, and responsibility
- Value discretion, rigor, and precision
Create estate-efficient structures that protect heirs while removing emotional and financial pressure from future decisions.
Fund donor-advised funds or family foundations at a scale that reshapes long-term giving—and invites the next generation into active stewardship.
Important Disclosure – Premium Financing & Life Insurance Strategies
Multiply is not a bank or lender, and does not provide investment advisory, legal, or tax advice. Any insurance, financing, tax, or legal strategy should be reviewed with your independent legal and tax advisors before implementation.
No guarantee / forward-looking statements. Actual outcomes may differ materially due to underwriting, carrier and lender requirements, market conditions, tax law changes, and other factors.
Life insurance risks and limitations. Life insurance policies involve costs, fees, and charges that vary by carrier and policy. Policy values and performance are not guaranteed. Indexed Universal Life (“IUL”) crediting methods may include features such as caps, participation rates, spreads, and floors; however, policy charges (including cost of insurance) and loan interest can reduce values, and policies may underperform assumptions or lapse, which can result in loss of coverage and potential tax consequences. Any references to “downside protection” are limited to features of certain crediting methodologies and do not eliminate policy, crediting, carrier, or lapse risk.
Premium financing risks: Premium financing involves borrowing and is not suitable for all individuals. Borrowing introduces additional risks, including but not limited to: Interest rate risk, Collateral and liquidity risk, Loan renewal / call risk, Policy performance risk
Multiply does not provide tax or legal advice. You should consult your own qualified professionals regarding income, gift, and estate tax implications.
Third-party professionals Multiply does not offer tax or legal services. Legal or tax services are provided only under a separate written engagement with the applicable professional or firm.Premium financing involves borrowing and can be high risk. Loan rates may increase; lenders may require additional collateral or repayment; loan terms may change or not renew; and policy performance may be insufficient to support the strategy.