1day
Quote or Loan Model
One business day to a specialist
5days
Underwriting
Case decision
5days
Documents
Drafted and issued
5days
Closing
Funding
GP Life Solutions
We partner with advisors of the world's wealthy to structure, fund, and service insurance financing strategies that complement their planning
Global Platform
Integrated teams headquartered in New York, Toronto and Hong Kong, delivering timely execution through decades of experience and local expertise.
United States Multinational CanadaTailored Structuring
We align client objectives and capabilities with policy design, collateral and loan structure.
End-to-End Servicing
From concept through loan servicing, GP Life Solutions delivers full lifecycle management and oversight — administered by GP Loan Servicing, an independently operated affiliate.
GP Loan ServicingCapital Markets Discipline
A uniquely diversified capital structure, enabling cross-border financing across the global insurance market.
Statistics
Locations
Integrated teams across the United States, Canada and our Multinational Platform
For more than 15 years, we have specialized in life insurance premium financing and liquidity solutions for the high-net-worth and ultra-high-net-worth markets. We were formed as an alternative to the traditional bank channels — a niche lender with deep industry expertise, delivering concierge service without requiring cross-marketed products or services.
United States
Since launching in 2010, the platform has originated more than $4 billion of premium finance commitments, with the advisor and client experience at the center of every case.
Multinational
In 2017, responding to demand for a non-relationship lender, the company expanded into Asia with a Hong Kong headquarters, delivering multinational planning structures for globally mobile families.
Canada
A Toronto office opened in 2020 to serve the growing needs of the North American cross-border markets.
Who We Are
Built on decades of subject matter expertise
Our people come from life insurance, specialty lending, capital markets and loan servicing. That range is what lets us structure financing that is efficient, transparent and responsibly built — and tell an advisor early when a case will not hold up.
Simplified Process
As an independent non-bank, we know speed to closing is critical for clients, advisors, and carriers. We combine expertise in credit, insurance, and technology to deliver fast, responsive service throughout the lending process.
Responsible Lending
Our advantage is the honest assessment we bring our advisors, based on years of experience across a range of markets. We take our lending responsibility seriously, because not all financing risks are obvious to every party in a transaction.
Innovative
With decades of insurance lending experience, our global teams deliver creative suggestions to our advisory partners to better align with the client’s objectives.
Independent
We are an independent organization with no financial affiliation to insurance carriers, insurance agencies or professional advisory firms. Our only source of revenue is derived from the loans we make. We do not manage assets, receive insurance commissions, or charge advisory fees.
Planning Applications
Our lending supports the planning strategies below.
Wealth Transfer
Global generational and estate planning.
Asset Protection
A protected, US-domiciled growth asset class.
Supplemental Cash Flow
Long-term, tax-efficient cash flow planning strategies.
Risk Management
Business succession planning, buy/sell, key person retention and benefits.
Philanthropic Planning
Strategic enhanced-value long-term charitable giving and tax forecasting.
Understanding the Risks
Financing a premium is leverage, and leverage cuts both ways. Any advisor structuring a financed case should be able to explain all four of these to their client.
01
Interest rate
When borrowing costs rise, interest payments will increase and additional collateral may be required.
What should be done
The advisor should explain the movements of the financial markets and review the long-term impact on the loan. Sensitivity analysis should be performed to provide clarity. These transactions are designed for the long term; short-term movements may heighten a client’s concern, and they should be aware of those dynamics from the outset.
02
Policy performance
As the principal form of collateral, cash value can underperform, which may require additional collateral.
What should be done
The insurance advisor should understand the financial plan and the client’s forecast balance sheet, and discuss the methodology for funding collateral. This is critical, as the policy structure can also be arranged to provide higher levels of collateral. Servicing the debt also mitigates long-term collateral exposure substantially.
03
Exit strategy
Entering into these loans without discussing and designing an exit strategy increases the loan risk and reduces the long-term economic result.
What should be done
Exit strategies should be built into the financial planning process. The client’s balance sheet planning, coordinated with the policy, can be an effective method of reducing or retiring the outstanding loan.
04
External collateral
Pledged assets fluctuate in value and can affect the overall loan-to-value ratio, requiring additional collateral.
What should be done
Collateral composition should be compiled carefully to match the client’s asset management profile. Actively managed assets alone are typically not a desirable asset class to support these lending arrangements. The client should be aware of the levels and expected duration of external collateral.
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Speak to a specialist
Leave your details and a specialist will contact you within one business day.
New policies and refinancing available
Competitive rates
No assets under management required
No prepayment penalties and no fees
Everything your client needs to premium finance.
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Thank you
A specialist will contact you within one business day.
All locations
United States
We unlock life insurance funding through sophisticated financing solutions that allow our affluent clients to keep their capital working elsewhere, while maintaining essential insurance protection for their customized estate planning purposes.
GP Life Solutions enables clients to secure large life insurance policies while preserving liquidity and investment flexibility — delivered through specialized expertise, an independent model, flexible financing, and reliable capital.
We provide
Capital efficiency
Clients can finance life insurance premiums rather than paying them entirely from cash, keeping assets invested in businesses, portfolios, or other opportunities.
Flexible financing solutions
Financing structures tailored to new and existing life insurance policies, including complex and large cases.
Independent lender
Unlike some other lenders, GP Life Solutions does not require clients to move assets under management or purchase unrelated products, which helps preserve the advisor’s client relationship.
Specialized expertise
Insurance knowledge, financing expertise, underwriting, and servicing capabilities on a single platform, where most lenders do not.
Fast execution
A formulaic underwriting approach that focuses on the insurance policy and the collateral, enabling quicker decisions than many traditional lenders.
Access to diverse capital sources
Funding through institutional facilities, improving the flexibility of our cases and the consistency of funding.
All locations
Multinational
GP Life Solutions provides specialist life insurance financing for high-net-worth and ultra-high-net-worth clients across international markets. With no requirement to transfer assets under management or open a bank account, advisors remain firmly at the center of the relationship while gaining access to flexible financing expertise designed specifically around life insurance.
We work alongside advisors to deliver tailored financing solutions for new and existing life insurance policies, including premium finance, refinancing of existing facilities, and liquidity solutions supported by policy value.
Our policy-focused approach may provide financing of up to 100% of the available cash surrender value as collateral, subject to facility terms and individual client circumstances.
From case design and underwriting through funding and ongoing servicing, our role is to complement your expertise, protect your client relationship, and help you deliver more comprehensive liquidity and wealth-planning solutions.
We provide
Financing without traditional banking barriers
Access life insurance financing without minimum assets under management requirements or mandatory bank account openings, helping clients preserve liquidity while implementing their insurance strategy.
Global solutions for international clients
With capabilities spanning North America, Asia and EMEA, GP Life Solutions supports affluent clients across multiple jurisdictions through a specialized international lending platform.
Flexible repayment structures
Borrowers may make partial or full principal repayments at any time without prepayment penalties, allowing financing strategies to adapt as circumstances change.
Unlock value from existing policies
We finance both new and in-force life insurance policies, enabling clients to leverage existing cash surrender values to create new opportunities and enhance coverage.
Non-recourse lending structure
Financing is secured primarily by the pledged life insurance policy, helping clients manage capital efficiently while minimizing exposure to personal recourse obligations.
Solutions beyond traditional premium financing
From policy pledge lending and bridge financing to refinancing existing facilities, we deliver customized structures designed to meet the sophisticated needs of high-net-worth families and their advisors.
Fast, specialized execution
Our dedicated insurance-lending platform is built to streamline the process from application through funding, delivering responsive service, specialized expertise, and a straightforward client experience.
All locations
Canada
We help Canadian advisors unlock liquidity through life insurance lending for high-net-worth clients. From origination to funding and annual renewals, our team provides white-glove support every step of the way.
GP Life Solutions partners with Canadian advisors to deliver life insurance lending solutions for high-net-worth clients. We provide a white-glove experience, guiding advisors and their clients through every stage of the process — from initial assessment and loan structuring to placement, underwriting support, and funding.
Our commitment extends beyond closing. We remain actively engaged throughout the life of the loan, providing ongoing servicing, annual renewal support, and assistance with evolving client needs. By combining deep industry expertise with a hands-on, relationship-driven approach, we help advisors deliver a seamless financing experience and long-term value for their clients.
We provide
Wealth preservation
Premium funded while investment portfolios, real estate and business interests stay intact and keep compounding.
Advisor-first financing
We finance the life insurance policy and nothing else. The client relationship stays where it was built.
Financing up to 100% of cash surrender value
Financing available up to 100% of year-end cash surrender value, based on the current dividend scale.
Policy-only collateral
The policy is the only collateral. No assets to move, no accounts to open, and no disruption to existing advisor relationships.
Financing for every stage of the policy lifecycle
Whether funding a new policy, refinancing an existing one, or leveraging an in-force policy, we offer flexible financing solutions. Premiums can be funded directly to the insurance carrier, helping preserve cash flow and reduce upfront premium requirements.
Flexible lending structures
We support individual, corporate and trust ownership structures, with flexibility for the borrower and the policy owner to be the same or different parties.
Who We Are
Executive Teams
GP Life Solutions
Dean DeMarco
Chief Executive Officer
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Nick Misra
Treasurer
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Sandeep Singh
Director of Marketing & Customer Experience
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GP Loan Servicing
GP Loan ServicingJanice Mullen
Chief Executive Officer
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Arda Laham
Head of Loan Servicing
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Michael Russo
Manager, Strategic Initiatives
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Gracie Point Holdings
Gracie Point HoldingsHarish Raghavan
Chief Executive Officer
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Joseph Sevely
Chief Financial Officer
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Harsh Varma
Head of Capital Markets
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Richard Kadlick
General Counsel
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Roshan Shah
Chief Technology Officer & Chief Information Security Officer
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Felicia Ivey
Head of Human Resources
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GP Loan Servicing
GP Loan Servicing is the dedicated servicing platform for the GP Life Solutions life insurance premium finance portfolio, which consists primarily of loans secured by the cash value of life insurance policies for high-net-worth and ultra-high-net-worth clients worldwide.
GP Loan Servicing provides comprehensive borrower-facing loan servicing, portfolio administration, reporting, and investor support. Through robust controls, well-documented processes, regulatory compliance, and industry best practices, GP Loan Servicing delivers efficient, high-quality, and transparent servicing designed to support borrowers, investors, and lending partners alike.
Leadership
The team behind servicing
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Privacy notice
How GP Life Solutions collects, uses and protects personal information submitted through this website.
Last updated: October 2026
Who we are
GP Life Solutions (“we”, “us”) provides life insurance premium financing to and through licensed intermediaries. Our international lending is conducted through Gracie Point International, Limited. This notice covers personal information we collect through this website. For any question about it, use the contact details at the end of this notice.
What we collect
When you ask to speak to a specialist we collect the information you give us: your name, business email address, telephone number, the specialist you choose and any notes you add.
We ask you not to submit client names, medical information, identification numbers or other sensitive personal data through this form. Information needed for underwriting is collected separately and securely by a specialist.
Our hosting provider may also record standard technical information such as IP address, browser type and pages visited, for security and to keep the site running.
Why we use it
We use the information you submit to respond to your inquiry, to prepare an indication of financing terms, and to carry out the compliance, sanctions and anti-money-laundering checks required of a regulated lender. Where you have asked us to, we may also send you material about our lending programs. You can ask us to stop at any time.
We do not sell personal information, and we do not share it with insurance carriers, agencies or advisory firms for their own marketing.
Who we share it with
We may share information with our sister companies, GP Loan Servicing and Gracie Point Holdings, where they are involved in structuring, funding or servicing a facility; with service providers who host our systems or process applications on our behalf, under contract; with funding partners where financing is arranged rather than provided directly by us; and with regulators, auditors or law enforcement where we are legally required to do so.
Where information is held
We operate in the United States, Canada and Hong Kong, so information may be transferred between those jurisdictions. Where such transfers are subject to data protection law, we put appropriate safeguards in place.
How long we keep it
We keep inquiry information for as long as needed to respond and, where a facility proceeds, for as long as the loan is outstanding plus any period required by law or by our regulators.
Your rights
Depending on where you live, you may have the right to ask for a copy of the personal information we hold about you, to have it corrected or deleted, to object to or restrict how we use it, and to withdraw consent to marketing. Residents of the EU and UK, California, Canada and Hong Kong each have specific rights under their own legislation. To make a request, contact us using the details below. You may also complain to your local data protection authority.
Cookies
This site sets no cookies and runs no analytics. If analytics, advertising or chat tools are added, this section will be updated and a cookie notice provided.
Security
We apply technical and organizational measures appropriate to the sensitivity of the information we hold. No method of transmission over the internet is completely secure, so please do not send sensitive personal or financial details by email or through this form.
Changes
We may update this notice from time to time. The date at the top of the page shows when it was last revised.
Contact
Questions about this notice, or about how we handle personal information, can be sent to contact@gplifesolutionsllc.com, or by post to GP Life Solutions, 420 Lexington Avenue, Suite 2550, New York, NY 10170.
About
Global markets snapshot
Benchmark rates and equity indices. These are the numbers that move a financed case: the cost of borrowing, and the markets the collateral sits in.
Interest rates
| Rate | Latest | Change | Notes |
|---|
Global equity indices
As of
| Index | Level | Change | Change % | Market |
|---|
Sources: Federal Reserve Bank of New York (SOFR and SOFR averages), Federal Reserve, U.S. Treasury, CME, FactSet. Indicative only, for information purposes, and not an offer or commitment to lend.
SOFR and the SOFR Averages are subject to the Terms of Use posted at newyorkfed.org. The New York Fed is not responsible for publication of SOFR or the SOFR Averages by GP Life Solutions, does not sanction or endorse any particular republication, and has no liability for your use. SOFR data are calculated using data provided under a license granted to the New York Fed by DTCC Solutions LLC (“Solutions”); Solutions, its affiliates, and third parties from which they obtained data have no liability for the content of this material. GP Life Solutions is not affiliated with the New York Fed. The New York Fed does not sanction, endorse, or recommend any products or services offered by GP Life Solutions.
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Apply for financing
A secure application: advisor information, client information, case information, document upload, and electronic submission.
Phase two
Document upload is why this isn't a page
The moment an advisor uploads trust documents, financial statements or identification, this stops being a website and becomes an application: encrypted storage, access control, retention policy and an audit trail.
It also needs a backend to hold a part-finished application between sessions, because nobody completes a financing application in one sitting.
In the meantime, request a quote captures enough to start, and documents are collected securely by the specialist.
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Advisor portal
Application tracking, loan status, secure messaging, outstanding requirements and a document vault.
Phase two
This is a software product, not a page
Authentication, a database, encrypted file storage, per-advisor access control and an audit trail — with a security review before any advisor uploads a client's identification.
- Secure document upload
- Application tracking and loan status
- Secure messaging with the case team
- Outstanding requirements checklist
Once it exists, the Portal button in the header signs advisors straight in.