About Peoples Life Premium Finance
Who We Are
Peoples Life Premium Finance provides specialized life insurance premium financing solutions for financial advisors, accountants and their high-net-worth clients. Our goal is to help clients fund significant life insurance needs while preserving capital and supporting long-term financial goals.
Premium financing is our specialty, not an add-on. Our team is dedicated to structuring disciplined, well-supported lending solutions that integrate with sophisticated financial planning.
Our Approach to Life Premium Financing
Planning & Policy Evaluation
We work with advisors and clients to confirm the life insurance need and evaluate how premium financing fits their financial, tax and estate planning strategy.
Financing Structure
A premium finance loan is structured on the policy design, collateral and long-term objectives, aligning funding with capital and preservation goals.
Ongoing Support
Our team provides continued servicing, monitoring and support throughout the life of the loan to ensure financing remains aligned with the client’s plan.
Using Life Premium Finance in Estate & Real Estate Planning
High-net-worth clients often face the challenge of funding life insurance while preserving valuable assets, including real estate holdings.
How Funding is Structured
Funding Period
The loan is used to pay the life insurance premiums, and the policy is assigned as collateral for the loan.
After Funding
The life insurance policy remains active, and the client pays accrued interest on the loan from Peoples.
Loan Repayment
At the end of the term, the loan is extended or repaid by the client. The assignment releases once the loan is satisfied.
About Peoples
OUR VISION IS TO BE THE BEST COMMUNITY BANK IN AMERICA
Peoples Life Premium Finance is a member of Peoples Bancorp, Inc. (Nasdaq: PEBO). With approximately $9.6 billion in assets, Peoples Bank is a community bank with more than 120 years of relationship-driven banking experience. Founded in 1902 in Marietta, Ohio, we deliver the strength and product capabilities of a large institution, with the responsiveness and local decision-making of a true community bank.
Recognized by Forbes as one of America’s Best Banks, Peoples is equally committed to the communities we serve, contributing over 4,000 service hours in 2025, over $800,000 donated to local food banks and pantries through our employee-led Jeans for Hunger program since 2020, and more than $8 million distributed by the Peoples Bank Foundation since 2003.
Meet the Team
John Dixon
Division President
John has over 20 years of experience in life insurance premium finance and financial services. He launched and led premium finance platforms at multiple institutions, working with financial advisors, accountants, attorneys and carriers to structure complex solutions for high-net-worth clients. His background combines executive leadership, credit and loan structuring and legal expertise. John is a licensed life insurance producer and an attorney admitted to practice in the State of Illinois.
Ross Hightower
VP, Relationship Manager
Ross’ experience spans across commercial banking, credit analysis and client relationship support. He works closely with advisors and partners to support the structuring, underwriting and ongoing servicing of life insurance premium finance solutions. Ross brings a strong foundation in credit evaluation, financial analysis and relationship development, having worked in both analytical and client-facing roles at national and regional financial institutions.
Angela Henderson
VP, Operations Manager
Angela brings over 20 years of experience in business law and as a financial services leader. With a detail-oriented, client-focused approach, she oversees the coordination of documentation, processes and ongoing servicing for premium financing solutions, ensuring the efficient execution and smooth experience throughout the life of each loan.
Learn More About Life Premium Financing
Fill out the form below and a representative will reach out.