Much is Expected.
Premium-financed insurance is one of the most powerful strategies avallable in advanced estate and philanthropic planning. It is also one of the least forgiving when structured without depth, discipline, and long – term oversight. Multiply was built for this work.
We believe:
- Complexity should serve clarity, not obscure it
- Risk deserves respect and constant monitoring
- Independence matters when designing strategies of this magnitude
- Wealth is a tool, not an identity
Multiply is intentionally selective. We say no often. Because the strategies we design must be monitored, stress-tested, and stewarded with the same care as the assets behind them.
Multiply is led by a Juris Doctor and a Certified Financial Planner professional who have spent decades structuring and overseeing advanced life insurance strategies. Together, our team has implemented more than 300 premium-financed life insurance cases that each require coordination across lenders, insurance carriers, estate attorneys, trustees, and advisory teams.
We are not generalists.
We do not sell a menu of products.
Multiply exists for one purpose: the design and stewardship of premium -financed insurance strategies for high-net-worth families.
- Legally architected
- Financially modeled
- Stress-tested under conservative assumptions
- Monitored annually for performance and risk exposure
Premium-financed insurance is powerful—but unforgiving when done poorly. Our role is to architect, coordinate, and oversee a strategy where banks, carriers, and advisors are aligned around one outcome: long-term impact.
Clients choose Multiply because we:
- Operate independently across carriers and lenders
- Design with conservative assumptions and contingency planning
- Provide ongoing annual monitoring and adjustment
- Speak fluently with sophisticated advisory teams
If you believe your assets could—and should—do more, let’s talk.
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.