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Posted on 11/16/2020 in Additional Funding Opportunities


How to make a significant contribution to the nonprofit of your choosing... without spending one out-of-pocket dollar.

Many donors have chosen to include a nonprofit organization as a beneficiary in their life insurance policy. While this can be a significant amount of money, the donor has to die before the nonprofit can benefit and that could take years or decades. Further, the donor never gets to see what his or her donation has achieved or the people it has served.

But, what if there was a program where people with a net worth $5,000,000 or more could make a major contribution to any charity, cause, church, temple, mosque, school, hospital or nonprofit of their choice… in a significant and growing amount while they’re still alive and an even greater contribution after they die? And, what if this could be achieved without it costing the donor a single dollar now or reducing the donor’s estate later?

The Charitable Giving Program by IPFA ... the International Premium Financing Associates

This program has been available for at least 20 years and relatively few folks know about it.

Let’s start by stating emphatically… there will be zero out-of-pocket cost to qualified participants. That means no cost to you now, no cost to your estate later, and no cost ever. Here’s how it works.

If you qualify -- and sorry not everyone will -- all you have to do is agree to allow the nonprofit of your choosing to obtain a life insurance policy naming the nonprofit institution as the beneficiary. If you qualify and agree, at an absolute minimum, the nonprofit will get:

  • $25,000 per year for the first five years; then
  • $50,000 per year for the next five years; then
  • $100,000 per year for the rest of your life; then
  • An additional $3,500,000 after you die.

All this at zero out-of-pocket to you but, as they say on TV, “Wait, there’s more!”

In addition, your beneficiaries (family) will also receive an additional $3,500,000.

Now that’s the way to build a legacy and care for your loved ones at the same time.

OK, now that we have your attention, we have to mention the qualifications and discuss how the program works.

First, to qualify, you must have a net worth of $5,000,000 and an income of $300,000. Your net worth can include your home, business, vehicles, furniture, artwork, jewelry, real estate, stocks, bonds and other securities, etc.

Second, your income could include salary, bonuses, dividends and other sources of income even including alimony.

If you qualify, IPFA will arrange through one of our experienced and licensed insurance professionals to develop a life insurance policy issued by an A or A+ rated insurance carrier and then arrange for a major nationally known bank or financial institution to pay all the premiums. This will be considered a loan by the bank and the bank will use the policy as collateral for the loan so you will never have any out-of-pocket costs to participate in the program.

The insurance carrier makes the annual payments to the nonprofit you wish to support and then after you die, the proceeds from the policy will be used to repay the bank for the loan and interest and also pay both $3,500,000 benefit payments to the nonprofit and your beneficiaries.

We know this program sounds almost too good to be true and that’s why we invite you and any of your trusted financial advisors to speak with one of our licensed insurance professionals.

PLEASE click here to schedule a personal consultation to learn more about IPFA’s Charitable Giving Plan.

There’s simply no better way to protect your family, help people in need and build a lasting legacy.

Premium Insurance-funded Nonprofit Examples: Large and Small

  • College fraternities
  • Universities and colleges
  • Many churches
  • United Way
  • The Masons
  • Goodwill
  • Small Catholic ministry
  • Hefed House, IL (provides medicine, feeds and clothes the homeless).