WP90X – Premium Finance Unpacked: Benefits, Pitfalls and the Right Fit
Thursday, December 4, 2025 at 8:00 am Pacific Time
Join us for an exclusive WP90X presentation around premium finance. Life insurance policies funded through bank-financed premiums offer an effective strategy for owning and funding insurance within an irrevocable life insurance trust (ILIT). This approach helps families acquire their desired coverage through strategic, not risky, leverage. For the right client and done properly, it can provide an incredible enhancement to effective wealth transfer planning. Nevertheless, improper structuring and unreasonable insurance or lending assumptions will lead to outcomes that do not meet client expectations.
This session will provide a concise overview of premium-financed life insurance planning, emphasizing the ideal client profile, considerations regarding financial liquidity, optimal structuring and common pitfalls. Additionally, key warning signs to watch for in real-world applications of premium-financed life insurance will be addressed. In collaboration with a representative from one of the biggest players in the game, Wintrust Bank, we look forward to an informative discussion on best practices in premium finance.
Meeting Details
What: Premium Finance Unpacked: Benefits, Pitfalls and the Right Fit
When: Thursday, December 4, 2025 at 8:00 am Pacific Time
Where: Zoom Video Conference
CPE: 1 hour of NASBA* CPE or CFP credit will be offered (see below for more information)
Session Overview
In this 90-minute presentation, Ryan Barradas and Kim Boston of WealthPoint with Amanda Garcia of Wintrust Bank (Wintrust Life) will discuss properly structured premium finance arrangements and common mistakes to avoid. They will discuss the ideal client profile and importance of liquidity, proper design considerations, appropriate carrier and lending partner selection, setting and managing client expectations via stress testing as well as common mistakes to avoid. Ryan, Kim and Amanda will share their expertise from the life insurance producer, insurance case designer and bank lender perspectives. Actual case studies will be reviewed, displaying real world successes.
Learning Objectives
- Define ideal clients for premium finance life insurance
- Examine key features of well-structured plans
- Spot frequent errors to avoid
- Outline gift and estate tax considerations
- Understand proper integration with cash flow, estate and income tax planning
After registering, you will receive a confirmation email containing information about joining the meeting. Feel free to share this invite with other members of your firm if you think it would be valuable for them to attend.
Continuing Education Information
- This program qualifies for one hour of NASBA CPE or CFP credit
- Prerequisites: none
- Advanced preparation: none
- Program level: basic
- NASBA field of study is Specialized Knowledge
- Delivery method: Group Internet Based
- There is no cost for this presentation or to obtain CPE credit
- For more information regarding administrative policies such as complaint and refund, please contact Kristin Teaff at 602.698.6590.
- WealthPoint, LLC is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.
- Certificates for CPE/CFP credit will be provided within 30 days after the webinar
