Who we are
Most firms treat financed life insurance as one product among many. It is the centre of our practice — the discipline we have spent two decades building the team, the lender relationships, and the operating infrastructure to execute properly. We are the architects of each structure, working alongside your legal counsel, tax consultants, trustees and portfolio managers rather than around them.
Two ways to work with us
For families and principals
A highly personalised engagement for entrepreneurial families whose wealth is concentrated, illiquid, or tied to an operating business. We integrate business and family affairs into a single structure rather than solving for one at the expense of the other.
For advisors and professionals
We work with you — the advisor, attorney, CPA or family office — to consult on the design, structure, placement and ongoing management of a premium financed solution for your largest and most valued clients. Your relationship stays yours.
Why Simplicity Passerelle
Premium finance is not difficult to sell. It is difficult to design conservatively, place efficiently, and then steward for twenty years. The difference shows up long after the policy is issued.
Backgrounds in banking, trading, derivatives, alternative investments and family office management — not insurance distribution alone. Case design, credit, underwriting and client relationships are separate, named disciplines here, each with an owner.
Direct relationships across the lender market and long-standing committed facilities under management. Every structure is shopped against the whole market, so pricing reflects competition rather than convenience.
We built our own operating platform: policy, loan and market data in one system, with performance reporting generated from the underlying records rather than reassembled by hand each year. Clients see the same numbers we do.
Independent in judgment, institutional in reach. As part of Simplicity and a Lion Street Owner-Firm, we have open architecture, no proprietary products to defend, and the scale of a national platform behind a boutique relationship.
How an engagement runs
We start with the balance sheet and the objective, not a product. What is illiquid, what is at risk, what has to survive a transition — and whether insurance is genuinely the right instrument. If it is not, we will say so before anyone has spent money finding out.
Conservative modelling first. We stress the structure before we present it, so the expectations set at the outset are the ones the plan can actually carry. An illustration that only works in its best case is not a plan, it is a brochure.
Underwriting, carrier negotiation and credit structuring run in parallel under one case manager. The entire lender market is evaluated before terms are recommended, and you see why the recommended structure won.
Annual renewal monitoring, facility good-standing checks, and performance reporting for the life of the structure. This is the part most firms under-resource. It is the part we built a platform for.
The client experience
Clients receive a Performance Summary Report drawn directly from the policy, loan and market records we maintain — coverage in force, premiums paid, facility standing, crediting to date, and how the structure is tracking against the plan it was built on.
Reports and documents live together in the Passerelle Portal. You see what we see, when we see it, with nothing reassembled for presentation.
Build the bridge
Tell us what you are solving for. We will tell you honestly whether this is the right instrument — and if it is not, we will say so.
Get in touch
A few details let us route your message to the right person the first time — case design, credit, underwriting or client service. Everything you send is treated as confidential.
Message received
We have sent you a short confirmation by email. Your message has been routed to the team member best suited to it based on what you told us, and you can expect a reply within one business day. If it is time-sensitive, call Miami on +1 (305) 359-3559.
Client services
Tell us what you need and your relationship manager will action it. If you already have Portal access, your documents and reports are inside the Portal — no separate login.
Message received
We have sent you a short confirmation by email. Your message has been routed to the team member best suited to it based on what you told us, and you can expect a reply within one business day. If it is time-sensitive, call Miami on +1 (305) 359-3559.
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