Funding Agreements
– what are they?

Funding Agreements are uninsured deposit contracts issued by an insurance company. Similar to a CD, you select the term (or ladder several terms) and the insurance company provides a fixed interest for that duration. Unlike a CD there is no FDIC or NCUA insurance; principal and interest are backed by the financial strength and credit risk of the carrier’s general account.

There is no named insured or death benefit like with life insurance, so the transaction is significantly simplified:

  • Interest is credited at fixed rates
  • Principal and interest are guaranteed by the financial strength and credit
    quality of the general account
  • They provide a rate of return over a specified period of time ranging from
    one to ten years
  • It is purchased by an entity and not tied to any individual mortality
  • There are no death benefits or insurance charges

Rates as of 2024-05-01

Compensation is one-time at commencement of the term. The minimum purchase is $250,000. Ask us for rates if you are interested in durations of 6-10 years.

Term Gross Rate
(before comp)		 Net Rate
(after comp)		 IZALE Compensation
1 year 5.34% 5.12% 20bps
2-year 5.56% 5.35% 40bps
3-year 5.62% 5.41% 60bps
4-year 5.60% 5.39% 80bps
5-year 5.60% 5.40% 100bps
LionStreet logo

IZALE is proud to be an Owner-Firm of Lion Street, Inc., a leading national financial services company owned by fiercely independent financial advisors. Based in Austin, Texas, Lion Street comprises an elite network of firms who specialize in financial solutions for high-net-worth individuals, family offices, business owners and corporate clients. As Owner-Firms we gain favored access to insurance carriers and financial institutions, and the products and services they offer, enhancing our ability to meet the complex planning requirements of our clients.

3 Simple Steps to Finding Your Tailored Solution

1

We'll start by asking a few questions and listening to your challenges and concerns.

2

We then research and collaborate, including our network of experts as needed.

3

Lastly, we tailor a solution that fits where you are and builds a roadmap to your goals.

Let’s start the conversation

Just fill out the form, call 855-492-5334 or email us.





    LionStreet logo

    IZALE Financial Group is proud to be a Firm of Lion Street, Inc., a national network of fiercely independent financial advisors.