Premium financing, side by side with your client.

Enter the policy, the bank's loan offer and the cash values from the insurer's illustration. The returns, the interest cost, the rate the plan can survive and a client-ready PDF follow instantly.

For licensed agents · illustrative

Case

Policy

Total premiumsingle / prepaid

HKD

First-year discountprepayment bonus

HKD

Bank loan offer

Bank / lender

Loan ratio

Loan amount

Interest rate

Loan rate

Fees (optional)

Upfront fee

Annual fee

Client's own cash–

Cash value from the illustration

Year	Total cash value	Guaranteed	Remove

Copy the surrender values from the insurer's benefit illustration. Guaranteed is optional; it powers the downside view.

Margin-call check

Day-1 cash value

Bank's max loan-to-value

Banks usually lend against the policy's surrender value. If the loan exceeds their limit, they can ask for more collateral or repayment.

Client's own cash–

Monthly interest–

Leverage–policy value per 1 of own cash

Profitable from–

Where the value comes from

Each bar is the policy's cash value, stacked from your capital and the bank loan up to the interest paid and the net gain on top. Hover a bar for the numbers.

Loan rate

0%10%

Loan ratio

0%90%

Non-guaranteed bonus paid

Guaranteed120%

Year by year

Return on own cash is the headline figure clients see elsewhere. Return on all cash in counts the interest paid too. IRR is the annualised figure to compare with other options.

If interest rates rise

Return on own cash at higher loan rates, and the break-even rate where the plan stops making money.

Talking points for the client

Plain-language lines generated from these numbers, including the risks you should discuss.

Premium financing, side by side with your client.

Where the value comes from

Year by year

If interest rates rise

Bank offers compared

Talking points for the client

Your details for the PDF