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Life Insurance Options For You

Explore innovative financing solutions for life insurance that make premium payments more manageable and efficient.

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"Carlton has a wealth of knowledge on his offering and the whole CFL team is first class in their work behind the scenes." - James Gormley

"I highly recommend Capital for Life for when it comes to life insurance solutions. The team is extremely knowledgeable & professional." - Gareth Bowkett

"Carlton’s knowledge and expertise is invaluable... A clear communicator who can quickly craft a solution and is unrelenting on a successful delivery.” - Matt Tailford

“Carlton Crabbe and the team at Capital For Life have been an immeasurable asset." - Bob Bhowmik

Intelligent Life Insurance Financing

for Cash Flow Freedom

Unlock the power of your cash flow. Premium financing and multi-pay options to fund your life insurance policy allowing you to invest your capital in other higher-return investment opportunities.

Secure the protection your family or business needs without locking up your cash liquidity.

Index Universal Life
Insurance: The Basics

Secure Extra Life Coverage

Borrow your premiums and increase your life insurance coverage to protect your family when it matters the most.

Leverage Stock Market Growth

Up to 5 x growth when you finance your life policy. With premium finance, you can borrow to invest in your life insurance policy to achieve higher returns.

Borrow Against Your Life Insurance Policy

Borrow money from your life policy to get extra cash fast. Buy a property, start a business, or invest in other ways.

Explore Multi-Pay Life Insurance Options

Invest in life insurance with a multi-pay plan and spread the payment out over time for an affordable and flexible payment plan.

IUL for Premium Finance & Loans

What is Indexed Universal Life


Indexed Universal Life Insurance (IUL), often referred to as IUL, is a type of permanent life insurance. Unlike traditional life insurance, IUL offers both a death benefit and the potential for cash value accumulation based on the performance of a stock market index. This unique structure provides flexibility in premium payments and coverage amounts, adapting to your changing financial needs over time.

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Benefits of Indexed
Universal Life Insurance

Retirement Planning

Not just an insurance policy, but a versatile financial tool. Diversify your investment portfolio while enjoying a safety net against market downturns.

Family Protection and Financial Security

Watch your wealth grow tax-deferred. Access your funds tax-free, offering you unmatched financial flexibility for investments, retirement, or unexpected expenses.

Financial Security

Secure your financial legacy with high-value life coverage that ensures a smooth and seamless transition of your wealth to the next generation.

How Premium Financing and Multi-Pay Works

for Index Universal Life Insurance

Maximise Your Life Cover

By financing your premiums, you can add extra life insurance to secure the future of your family - after all, it's about the people you love.

Geared for Growth

Borrow to invest in your life policy, giving you the opportunity to capitalise on stock market growth but with no downside investment risk.

Loans for Life

Access cash through your life insurance policy to buy real estate, invest in a business or borrow to invest in other opportunities.

Spread your Premium Payments

Use our innovative multi-pay premium plans to spread the cost of investing in ULI. Convenient premium payments tailored to your needs and as flexible as you need.

Refinance your Life Policy

Benefit from reduced interest rates, extend your loan, or access the cash from your policy with our specialised life insurance refinancing solutions.

Financial Flexibility

Financing your life policy premiums gives you the flexibility to use your cash for other needs.

Working with Capital for Life:

It's as Easy as 1-2-3!

Get a Personalised IUL Quote
Fill Out the Form

Begin your journey by providing us with some basic details. This initial information helps us understand your unique needs and aspirations.

Personalised Consultation

Once we receive your form, our expert team will reach out for a one-on-one consultation. We'll dive deeper into your financial goals and provide insights on how IUL can be tailored for you.

Crafting Your IUL Solution

Based on our discussions, we'll design a bespoke Index Universal Life Insurance plan that aligns perfectly with your family protection objectives, ensuring your peace of mind.

Trusted Expertise at
your fingertips

“Carlton is an experienced & learned professional in the life assurance space, who has helped, not only clients but me, navigate the world of high value life assurance through education on the concepts, the application, the processes, and procedures in a clear and concise manner, as to allow me to imbibe others with the same knowledge. He is affable, thoroughly professional and is a pleasure to work with many of my clients and colleagues”.

Raj Srivastava

Executive Director at
Arrow Capital

“Carlton Crabbe and the team at Capital For Life have been an immeasurable asset. Carlton’s experience in structuring solutions for our HNW clients has been a great benefit to our team, and the feedback from our valued clients has been unanimously positive.”

Bob Bhowmik

Chief Operating Office at
SVN Capital

"I've had the pleasure to work with Carlton and the whole team on a number of occasions. I've found them very professional and thorough when preparing UL cases for my clients. Carlton has a wealth of knowledge on his offering and the whole CFL team is first class in their work behind the scenes."

James Gormley

Senior Partner at
Finsbury Wealth

"Working with Carlton is a pleasure. He delivers a constant high level of quality work and is always responsive and communicative."

Hugh McGrenra

Business Development Manager at
ARIA Capital Management

"Carlton is an invaluable trusted advisor who identified creative solutions for my high net worth clients using specialised life insurance options. He is a true expert in this field and someone who increases the professionalism in this specialist area."

Marc Beattie

Director at
Wealth Management Services

“Carlton has been exceptional in helping us and our clients with the best support and guidance we could wish for.  We will continue to use Carlton forever more and would highly suggest that everyone else does the same too.”

Stefan Terry

Chief Executive Officer at
SVN Capital

"Carlton and his team at Capital for Life go above and beyond to help us propose and implement unique retirement and estate planning vehicles for our high net worth clients. Capital for Life’s suite of product offerings are unique in many ways and lend them themselves to significant generational wealth creation and preservation. I see Capital for Life becoming a larger part of international wealth planning in the future and would recommend them to anyone without reservation."

Thomas Goldie

Senior Wealth Adviser at
Hoxton Capital Management

“Having worked with Carlton for many years, I saw first-hand the care he took to get to the right solution for clients and how collaborative he was with colleagues. In recent years, he has specialised in offshore planning, notably trusts and life assurance, to an extent that there’s nobody I’m aware of in the industry who knows more about those areas.”

Simon Bullock

Founder of chartered financial planning boutique,
Mulberry Bow

"Carlton really stands out as a true expert within the market. Carlton has been instrumental as a trusted advisor to my high-net-worth clients because of his ability to provide specialised and creative life insurance products for retirement and estate planning."

Lloyd Simpson

Partner at
GSB Capital

"I highly recommend Capital for Life for when it comes to life insurance solutions. The team is extremely knowledgeable & professional. Carlton is a true expert in his field and he along with the team always remain on hand to provide assistance."

Gareth Bowkett

Associate Director at
Indigo Financial Analysis

"I am extremely pleased with the high-value life insurance products and retirement planning strategies that Capital for Life designed for my client. As a trusted advisor in this specialised area, Carlton and his team helped through every aspect of the application process to make this seamless and effortless for both the client and myself. The Team is highly experienced, knowledgeable and professional."

Stuart J. Mizen

Senior Investment Manager at
SVN Capital

Common Questions About IUL

Premium Financing and Loans

What is life insurance premium financing?

Life insurance premium financing is a way to borrow money to pay for the premiums on a life insurance policy. This can be a good option for high-net-worth clients who buy a life policy with a minimal amount of cash and use the rest of their liquidity to invest in other assets. Premium financing can also be used by individuals who want to get life insurance coverage but don't have the cash on hand to pay the premiums upfront. With premium financing, a high value life policy is more affordable.

Is life insurance premium financing worth it?

Whether life insurance premium financing is worth it depends on your unique financial situation and goals. Financing your premiums is more complex than agreeing to pay a single or multiple premiums with the insurer. A premium financing strategy has benefits and drawbacks that should be considered. Here are some of the pros and cons of life insurance premium financing:


  • Buy More Life Cover: Financing your premium allows you to secure a larger life insurance policy than you could afford if you had to pay all upfront with your own money.
  • Preserve Cash: You don't have to use your cash savings or sell investments to pay premiums, keeping your cash available for other financial needs.
  • Time Value of Money Advantage: a premium financing strategy can be used if you are able to access investments with a historically higher return than the loan rate.
  • Higher Returns: borrowing money to invest in an IUL with stock market linked returns means you can increase returns with leverage


  • Interest charges: You'll pay interest on the loan, adding to the overall cost of your life insurance.
  • Policy lapse risk: If you miss loan interest payments, the lender could cash out your policy to get back its loan leaving your loved ones without coverage.
  • Reduced Death Benefit: If the premium finance is not repaid, your family will receive a lower death benefit.
  • Complexity: Premium financing is a complex financial strategy. Consulting a financial advisor is important to ensure it aligns with your overall financial plan.

How does life insurance premium financing work?

Life insurance premium financing is a loan made from a bank or premium finance company to fund the lump-sum premium payable on a life insurance policy. This innovative solution allows you to leverage a loan to cover your life insurance premiums. The lender provides the loan amount directly to the insurance company and the loan typically secured by the life policy itself or other assets of the policyholder. The policyholder is responsible for paying interest on the loan and the capital can be repaid during their lifetime or from the policy pay out.

What are the alternatives to life insurance premium financing?

There are a few alternatives to life insurance premium financing, including:

1. Saving up for your premiums: This is the most cost-effective option although every year of delay in purchasing an insurance policy increases the cost of the life cover.

2. Multi-pay premiums: allows you to buy the life cover you want today but spread the premiums you pay over several years. For example, you may choose to pay your life insurance premiums over 5, 10 or 15 years.

3. Buy less life cover: If you don't need as much coverage, you should be able to find a policy that is more affordable with cash premiums.

What is Multi-Pay Universal Life Insurance?

Multi-pay premiums are a financing option that allows you to spread out the upfront cost of a universal life insurance policy over a period of time, rather than paying the entire premium upfront. This can be beneficial for individuals or businesses looking to manage cash flow and utilise funds for other investments or business needs. However, there is a trade-off: the total cost of the policy will be higher than if you paid the premium upfront.

Advantages of Multi-Pay Universal Life Insurance

  1. Lower Initial Costs: By spreading out the payment, multi-pay premium finance makes life insurance coverage more accessible, especially when you're younger and healthier, as premiums tend to be lower for younger individuals.
  2. Higher Coverage: By spreading out the cost over time, you can afford more life insurance coverage compared to paying a lump-sum premium. This can be particularly helpful for covering dependents or business assets.
  3. Higher Growth Opportunities: While you have ongoing premium payments, you can potentially invest the remaining funds in other asset classes like stocks, property, or private equity, potentially generating higher returns than the premium savings.
  4. No More Premiums Upon Policyholder's Death: If the insured person passes away during the payment period, the policy will pay out the death benefit to the beneficiaries, and no further premiums will be due. This provides financial security for loved ones even if the policy doesn't run its full term.
  5. Flexible Payment Options: Most multi-pay financing plans offer flexible payment options, allowing you to adjust premium amounts or even pause payments temporarily based on your financial circumstances. This provides flexibility to manage cash flow fluctuations.
  6. No Bank Interest or Fees: Unlike traditional loans, multi-pay premium financing typically doesn't involve bank interest rates, arrangement fees, loan recalls, or credit checks, simplifying the process and reducing potential financial burdens.
  7. Control Over Premium Payments: With multi-pay financing, you maintain control over your premium payments, allowing you to adjust them or pause them as needed without the constraints of a traditional loan.

Disadvantages of Multi-Pay Universal Life Insurance

  1. Higher total cost: Over the lifespan of the UL policy, the total amount paid in premiums will be higher compared to a single-premium policy. This means you'll end up paying more for the same coverage over the long run.
  2. Increased risk of policy lapse: If you fail to make consistent premium payments over time, there is an increased risk that the policy may lapse. This means you would lose your coverage, and your beneficiaries would not receive the policy’s death benefit.
  3. Complex budgeting: Managing the payment schedules under multi-pay financing requires careful financial planning and budgeting to ensure you can meet the ongoing premium obligations.
  4. Vulnerability to economic pressure: During economic downturns or periods of personal financial hardship, maintaining regular premium payments can become challenging, increasing the risk of policy lapse.
  5. Reduced cash value growth: The cash value of the life insurance policy grows at a slower rate when you're using multi-pay financing, as funds that could be accumulating interest are instead allocated toward premium payments.
  6. Opportunity cost: The funds used for ongoing premium payments could have been invested elsewhere, potentially earning a higher rate of return than the crediting rate on the UL policy.

Can I borrow from my Indexed Universal Life Insurance Policy?

Indexed Universal life insurance policies with a cash value offer a unique advantage over traditional whole of life insurance policies: the ability to access funds without surrendering the policy. This is achieved through policy loans, a convenient and flexible way to tap into the accumulated cash value.

How Much Can I Borrow?

The maximum loan amount depends on the policy's cash value. Typically, you can borrow up to 90% of the net surrender value, ensuring that the policy remains in force. This provides ample flexibility to meet various financial needs.

What are the Benefits of an Index Universal Life Insurance Policy Loan?

IUL policy loans offer several advantages:

  1. Immediate funds access: Get quick access to your policy’s cash without credit checks, lengthy loan applications and lengthy approval processes.
  2. Interest deferral allows you to defer the repayment of loan interest giving your flexibility.
  3. Flexible repayment terms: You have the flexibility to repay the loan capital at your own pace
  4. No impact on death benefit: The death benefit remains unaffected if you don't repay the loan before your passing. However, the loan amount is deducted from the death benefit pay-out.

Other Considerations for IUL Policy Loans

While policy loans offer convenience and flexibility, it's crucial to weigh the potential implications:

  1. Interest accumulation: The cash value of your policy will be reduced because of the compounding of unpaid loan interest.
  2. Reduced death benefit: Any outstanding loans or interest will be deducted from the death benefit before the cash is paid is paid out to beneficiaries.

Can I use my IUL policy as collateral for a loan?

In some cases, an IUL policy can be used as collateral for a loan. Whether your IUL can be used as collateral depends on several factors:

· Insurance provider: Check with your insurer's specific policy guidelines on using your IUL as collateral. Some insurers allow it, while others might not.

· Policy type: Not all IUL policies are eligible. Certain features or limitations within your policy could affect its eligibility as collateral.

· Cash value amount: Generally, lenders would want your IUL's cash value to be a significant portion of the desired loan amount.

What are the benefits of using IUL as collateral?

Potential benefits include:

· Potentially lower interest rates: Using your IUL's cash value as collateral might secure lower interest rates due to the reduced risk for the lender of having financially strong insurance backing the policy and the collateralised cash value.

· Fast access to funds: If approved, borrowing against your IUL could be quicker than applying for other types of loans.

· Flexibility: Depending on your policy, you might have some flexibility in terms of repayment schedules or interest rates.

What are the drawbacks of using IUL as collateral?

Consider these potential downsides:

· Reduced death benefit: Borrowing against your IUL typically reduces the death benefit pay-out to your beneficiaries.

· Fees and interest: You'll likely incur additional fees and interest charges associated with the loan.

· Risk of policy lapse: Failing to repay the loan could lead to policy lapse, losing your death benefit and accumulated cash value.

Should I use my IUL as collateral?

This decision needs careful consideration. Analyse your individual financial situation, loan needs, and the potential impact on your IUL policy. Consulting with a qualified financial advisor is highly recommended before making any decisions. They can help you weigh the pros and cons and determine if this option aligns with your overall financial goals. Remember, using your IUL as collateral involves potential risks and should be approached with caution. Do your research, understand the terms, and seek professional guidance before moving forward.

Still have questions about jumbo life insurance? We're here to help.
Reach out to us at or call us on 052-772-6262 for the best jumbo insurance quote in Dubai.


Premium Finance & Loans Resources

Our comprehensive articles offer insights into the world of IUL, helping you make informed decisions for your financial future.

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Financial Future?

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