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.

Partner with Langhaus

Let’s discuss how Langhaus can meet your unique insurance lending requirements.