Who is PFA/CPS
Premium financing is an alternative method for paying life insurance premiums. The idea behind premium financing is that a wealthy client has a present need for life insurance protection. Moreover, the client also has sound financial reasons not to liquidate high performing investment portfolios, low basis assets or impact current cash flows in order to fund the insurance premium. Among the insurance options are Whole Life, Universal Life and Indexed Universal Life policies.
Premium Financial Advisors are specialized in designing life insurance, trust and estate planning techniques with lending capabilities. We work with the four major banks in the industry, each of whom has their own advantages that fit certain client's needs.
Premium financing may offer a way to safeguard a client's financial legacy without forcing them to dramatically change their current financial situation. This web page describes the basics of premium financing. It doesn't take place of a client's tax, legal, or financial advisors. Only by working with these professionals, can one fashion a premium financing arrangement that suites the clients needs and helps them achieve their financial goals.
 
We at PFA know that a majority of our success is based on the standards against which we judge ourselves, all of our actions and our advancements. PFA's core values are:
Integrity - We develop trust by upholding the highest ethical standards and practices. We emphasize our commitment to act with integrity and honesty in all interactions with our clients, fellow team members and our communities. We treat others as we wish to be treated.
Excellence - We never forget that our clients have a choice as to where they can do business. Therefore, we are committed to strive for best-in-class service, and are dedicated to optimizing tried-and-true standards and processes. We collectively share accountability for gaining our clients' loyalty and trust. No matter what our role within the company, the goal is to be the best that we can possibly be. Evolution should be constant through our efforts to always search for a better way to do our work.
Passion - We never forget that we have the ability to make a significant difference in the lives of others. We ensure that our passion and pride is demonstrated in everything we do and every product and service that we represent.
Collaboration - We all share a common cause to partner with one another to present the best possible solutions for our clients. We openly share ideas and collectively seek out creative and innovative ways to better serve our clients. We foster collaboration while upholding individual accountability. We recognize one another's accomplishments and make an effort to create an efficient, friendly and fun work environment.
Affiliate office of CPS Insurance Services, who since 1974 - providing brokers with the top Companies, the most competitive Products and the best Service in the industry. You can rely on us.
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