Immediate Financing Arrangements (IFA)
Immediate Financing Arrangements (IFA)
Ted Daigle IFS recognizes that many high-net-worth individuals and business owners want the protection of a large life insurance policy without tying up significant capital. Our Immediate Financing Arrangement (IFA) solutions are designed to give you the insurance you need while allowing you to maintain liquidity for investments, business expansion, or wealth-building opportunities. Our specialists work closely with lenders, carriers, and financial professionals to create efficient, compliant IFA structures tailored to your long-term goals.
Benefits of an Immediate Financing Arrangement
With an IFA, you can obtain substantial life insurance coverage while borrowing back a large portion of the premium from a financial institution. This strategy helps preserve cash flow and provides access to funds that can be reinvested for higher potential returns. Over time, an IFA may create tax-advantaged opportunities, enhance estate planning efficiency, and allow you to leverage life insurance as both a protective tool and a financial asset.
An IFA can also support long-term wealth transfer, corporate planning, and supplemental retirement strategies by using policy values to strengthen your financial position while maintaining liquidity.
Is an IFA the Right Strategy for You?
Not all IFA structures are alike. The suitability depends on your income level, borrowing capacity, risk tolerance, and long-term wealth objectives. Ted Daigle IFS will assess your situation, explain lender requirements, evaluate collateral expectations, and outline cash-flow implications to help you determine whether an IFA complements your personal or corporate financial strategy.
Customize Your Arrangement
Because lending guidelines, tax rules, and insurance product features vary, a tailored approach is essential. Contact Ted Daigle IFS to build an IFA that aligns with your financial goals while remaining compliant and efficient. We coordinate with your accountants, legal advisors, and banking partners to deliver a seamless and strategic solution.