Who We Are
ARI Financial Group GmbH is the leader of premium financed life insurance in the United States and Internationally. We have combined long-term industry experience with cutting-edge planning to create and acquire insurance assets on behalf of global citizens.
As industry leaders, we set ourselves apart by providing superior service levels to our clients. In addition, our banking platforms and centers of influence — law firms, family offices, wealth asset managers, and other advisors, allow us to provide access to a superior array of products and preferred medical and financial underwriting status.
We provide customized insurance investment solutions for high-net-worth individuals.
Life insurance premium financing can help maximize wealth and keep clients’ legacies intact.
Why Premium Finance?
PREMIUM FINANCE IS A SMART CREDIT STRATEGY
High-net-worth individuals who have a high opportunity cost on their money and understand the benefits of leverage, will choose to finance the premiums for the purchase of insurance contracts.
CASH VALUE AS A COLLATERAL
The policy cash value collateralizes the loan and banks will lend against this conservative asset at 95% Loan to Value (LTV)
POWERFUL ASSET
Financing of Life Insurance premiums is a powerful tool that creates a financial strategy complimenting a traditional investment portfolio.
PERFORMANCE
The returns on the Life Insurance, along with its guaranteed growth and market risk protection, have historically outperformed the cost of capital.
HOW DOES IT WORK?
MORTGAGE EXAMPLE
Individual wants to buy a house
Bank finances the house
Individual pays interest to the bank
When someone wants to buy real estate and doesn’t want to use up their cash because they have a high opportunity cost on their money. In this case, perhaps they would seek financing. The bank takes the property as collateral, and the individual pays the bank monthly loan installments. This payment includes principal and interest.
WITH PREMIUM FINANCE
Individual wants to get life insurance coverage
Bank finances the policy premiums
Individual pays interest to the bank
The difference is that the bank takes the policy as the main guarantee and pays the premiums annually. The client is only responsible for paying the monthly interest.
*Additional collateral may be necessary
What We Do
As a global provider of advanced life insurance planning focused on the design and implementation of insurance investment solutions, we service for high-net-worth individuals and families in the US and internationally.
Our advisors are experts in life insurance planning and help clients secure their legacies via customized Premium Financing solutions.
Global Presence
What sets us apart is that we have a global reach, and our advisors are boots on the ground. We focus on local leadership in North and South America, Europe, and the Middle East, understanding the local economy, laws, and tax regulations to offer a premium service to each one of our clients.
Our expertise is supported by a multilingual staff with a deep understanding of international tax implications, wealth planning challenges, global financial structures, and the ever-changing political climate.
Our Leadership
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Eric Bouskila
Founder
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Rimma Portnova
Sr. Partner
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Rocio Zapatero
Director
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Ori Yehezkely
Sr. Financial Strategist
Get in touch
At Ari Financial Group GmbH, we value your input and are always eager to connect with you.
Our team of experts is ready to listen, assist, and address any inquiries or concerns you may have. Whether you're looking for personalized guidance or have questions about our services, we encourage you to contact us.