Daniel Wachs Discusses Premium Finance on Influential Entrepreneurs Podcast

Founder of Perpetual Wealth Management explains leveraged life insurance strategy for high-net-worth individuals

Feb. 4, 2026 at 9:23pm

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Daniel Wachs, founder of Perpetual Wealth Management, was interviewed on the Influential Entrepreneurs podcast to discuss Premium Finance, a strategy that allows high-net-worth individuals to leverage life insurance policies by using third-party lenders to finance larger loans to pay insurance premiums. Wachs shared his extensive background in the financial services industry and explained how Premium Finance can help preserve wealth, optimize tax strategies, and provide flexibility in financial planning for affluent clients.

Why it matters

Premium Financing is a sophisticated strategy that less than 2% of the population qualifies for, but it can provide significant benefits to high-net-worth individuals by allowing them to keep their capital invested in higher-yielding assets while still securing the benefits of a life insurance policy. This dual approach can enhance both growth and protection in a client's financial portfolio.

The details

Premium Financing involves using third-party lenders to finance larger loans to pay insurance premiums on behalf of clients. This strategy is particularly suited for high-net-worth individuals, typically those with a net worth of around $5 million or more, due to the substantial premiums involved. The loans are secured against the cash value of the insurance policy, allowing clients to reduce their outlay and invest their capital to potentially yield more than the cost of the loan.

  • Daniel Wachs has been specializing in Premium Finance strategies for the past 15 years.

The players

Daniel Wachs

The owner and founder of Perpetual Wealth Management, who has worked in the insurance and financial services business since 1995 and has been focused on Premium Financing for the last 15 years.

Perpetual Wealth Management

A financial services firm founded by Daniel Wachs that specializes in Premium Financing strategies for high-net-worth individuals.

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What they’re saying

“My job as a finance specialist is to make sure the policies are designed properly and to make sure the policies get funded and are performing to provide the benefits to the client and pay the lender back.”

— Daniel Wachs, Founder, Perpetual Wealth Management (Business Innovators Radio Network)

What’s next

Individuals interested in learning more about Premium Financing and how these concepts can be implemented are encouraged to book a no-obligation 30-minute conversation with Daniel Wachs.

The takeaway

Premium Financing offers a unique opportunity for high-net-worth individuals to enhance their financial strategies by leveraging life insurance policies through borrowed funds. This approach can help preserve capital, optimize tax strategies, and maintain flexibility in financial planning, making it a valuable tool for affluent clients to navigate their wealth management.