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Break free from the constraints of traditional financing and unlock your property's potential with Property for Life. Say goodbye to high interest rates and strict bank approvals.
Leverage the power of an index universal life insurance policy. Use IUL loans to access the capital you need, hassle-free. Preserve your financial flexibility and enjoy the freedom of flexible repayments. Experience a smarter, more efficient way to finance your real estate dreams.
"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
It's simple. It's smart. It's a new way to invest in roperty.
Lower Interest Rates
Boost your profits with lower IUL interest rates than bank loans, keeping more money invested and maximising your property returns.
Borrow More
Access up to 90% loan to value of your index universal life policy's cash value, giving you more buying power to acquire more properties.
No Credit Checks
No bank hassle, qualify for an IUL loan based on your policy's cash value strength, not your credit score or income.
Fast Approval
Get your property funded in days, not months, so you never miss out on a real estate deal to be done.
Flexible Repayments
Customise your IUL loan repayment schedule to align with your property rental income, cash flow and investment goals.
Tax Free Advantage
Tax free loans from your indexed universal life policy plus tax free growth in your index universal life policy make it tax-efficient.
Unlock More Deals
Unlock More Deals: Highlights the ability to capitalize on a broader range of opportunities due to increased access to capital and favorable terms.
Debt Repayment
Guaranteed peace of mind knowing your loved ones inherit your property free and clear. Any outstanding loan balance is covered by the IUL death benefit.
The Smart Way
to Buy Property
We understand that high-net-worth investors require tailored solutions. Property for Life offers bespoke IUL lending strategies, crafted to align with your unique real estate ambitions and financial goals.
Property for Life has empowered high net worth individuals to buy impressive real estate portfolios, proving the transformative power of this new lending approach. Their success stories of building wealth with IUL speak for themselves.
Secure your family's financial future for generations. Property for Life isn't just about acquiring real estate assets; it's about creating a legacy of prosperity and abundance for you and the next generation.
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Buy and Grow your real estate portfolio. Join the waitlist and be the first in line when we re-open to our next high net worth clients.
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At the heart of our firm is a client-centric approach that places your needs and goals at the forefront of everything we do. We believe that building long-term relationships founded on trust, transparency, and mutual respect is key to achieving shared success.
Our commitment to upholding the highest ethical standards in all our business practices further reinforces this foundation, ensuring your financial well-being is always handled with integrity and care.
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“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
“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
"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
It is a pleasure to work with Carlton at Capital for Life. He and the team are extremely professional and always on hand to provide support when required. Carlton's extensive experience has been key in helping my high-net-worth clients, particularly in offering bespoke retirement and estate planning solutions.
Colin Estlick
"Working with Carlton is a pleasure. He delivers a constant high level of quality work and is always responsive and communicative."
Hugh McGrenra
"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
“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
"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."
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Thomas Goldie
“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
"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
"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
"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."
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Stuart J. Mizen
An Indexed Universal Life (IUL) loan allows you to borrow against the cash value of your life insurance policy. This provides a unique way to finance real estate investments without traditional bank loans. Your policy's cash value can continue to grow, even as you borrow against it.
IUL loans often offer several advantages over bank loans, including:
· Lower interest rates
· Flexible repayment terms (no fixed monthly payments)
· No credit checks or income verification requirements
· Tax-free loan advantages (consult your tax advisor)
The amount you can borrow depends on your policy's accumulated cash value. Typically, you can borrow up to 90% of your cash surrender value, providing significant leverage for your real estate investments.
Yes, an outstanding loan balance will reduce your policy's death benefit. However, regular interest payments can mitigate this impact. It's crucial to work with a financial professional to structure your IUL loan and policy appropriately.
The primary risk is that unpaid loan interest can erode your policy's cash value, potentially leading to policy lapse. Having a repayment strategy and monitoring your policy's performance is essential.
Interest deductibility depends on various factors, including how you use the loan proceeds and your specific tax situation. Consult with a tax advisor for personalised guidance.
IUL loans offer flexibility and can be used to purchase various property types, including residential, commercial, and industrial real estate.
The first step is to connect with a financial professional specialising in IULs and real estate. They can help you assess your options, select the right policy, and guide you through the loan process.
IUL loans are a powerful tool for real estate investors seeking alternative financing, tax advantages, and greater control over their investments. If you're looking to diversify your portfolio and build long-term wealth, an IUL loan may be a suitable option for you.
Yes, you can use an IUL loan to purchase your primary residence or any other type of property. While often used for investment properties, IUL loans are a versatile financing option that can be applied to various real estate purchases, re-modelling projects, or property renovations.
However, it's important to carefully weigh the pros and cons of using an IUL loan for your home purchase compared to traditional mortgage options. Consulting with an IUL life insurance expert is important to ensure an IUL loan meets your overall financial goals and risk tolerance.
IUL loans are usually processed within 7 to 10 working days after the life insurance company receives your application. Compared to traditional bank home loans, the loan is granted much more quickly once your IUL account has been opened and funded.
Unlike bank loans, IUL loans don't require a credit check or minimum income level. Your eligibility is primarily based on your policy's available net cash surrender value.
In most cases, the outstanding loan balance is deducted from the death benefit paid to your beneficiaries. However, you can add a rider to your policy that ensures the death benefit is paid in full, regardless of any outstanding loan.
The amount you can borrow depends on your policy's accumulated cash value. Typically, you can borrow up to 90% of your cash surrender value, providing significant leverage for your real estate investments.
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