Langhaus Insurance Lending Products

Innovative, flexible lending solutions for private businesses and high-net-worth individuals.

Your clients deserve the best. Give them the white-glove treatment with unique lending solutions from Langhaus. Our loans are designed to maximize clients’ cash flow with borrowing options including 100% of insurance premium or 100% of the current dividend scale cash surrender value.

Cash Surrender Value Lending

Langhaus can lend up to 100% of the expected Cash Surrender Value with no additional collateral required.
1. More capital availability
2. Cleaner underwriting
3. Maximizes insurance collateral
4. Keeps other assets unencumbered
Premium Financing

Langhaus provides up to 100% of the annual premium amount for large premium policies with no additional collateral required.
1. Maximizes borrowing capacity
2. Designed for entrepreneurs and high-net-worth individuals
3. Optimizes immediate financing arrangement (IFA) planning structure
4. Customizable to complement existing tax and wealth-planning strategies

How We Lend

Non-Competitive Partner

No additional collateral is required beyond the insurance policy and a standard guarantee.
Confidentiality

Langhaus is a non-reporting entity.
Long-Term Partnerships

Langhaus loans are underwritten for up to ten years.
Fast

Funding confirmation in as little as two weeks and advances in as little as three weeks.
Tax Efficient

We can work with tax advisors to ensure proper interest deductibility, where possible.
Flexible Underwriting

Langhaus will review policy illustrations, organizational structure, statement of net worth, and pertinent tax information.
Secure

Langhaus sources capital from Schedule I banks, large investing institutions and Family Offices across Canada.