Premium Financing for Agents

The Insurance Industry's Solution to Premium Financing

With over 40 years in the insurance premium finance industry, Imperial PFS provides a level of Customer service that promotes excellence. As a privately held company, we are not constrained by a parent bank or entity, but rather we can offer quicker, customized services to our partner insurance agents, brokers, agencies, and firms.

As a strategic premium financing partner, we are able to provide custom technological integrations into existing platforms for insurance firms and agents. Our creative service offerings include numerous program options designed to benefit both insurance agencies and general agents. IPFS’ size and independence provides financial strength and flexibility to handle all of your accounts, ranging from large, complex relationships to smaller, more routine engagements. In 2020, we financed more than 609,000 loans across North America, totaling more than $12 billion in premiums in the US alone.

Technology and Custom Integrations

In the 1970s we relied primarily on a computer and a printer. Business was more two-dimensional in those days, however the market has evolved. With today’s technological options, we are able to provide a vastly greater service to our customers in a multi-dimensional digital world. New technology is an aspect of business which has opened a door of possibility. Insurance agencies throughout the U.S. market utilize software that is as unique as they are. When creating custom integration platforms, we knew we had to cater to all agents’ needs. Through our IPFS Connect mobile app, the website, and in-house custom integrations, we have built a suite of services centered around confidence. Read more below:


Imperial PFS is the industry leader in providing easy-to-use technology to assist agents with day-to-day business. With services including credit card and ACH down payment options, our aim is to help you save time. Additionally, our enhanced eForms delivery option allows agents to streamline their insurance agency operations and reduce waste.

  • IPFS Connect and a mobile optimized website that allows Customers to access their account and make payments anywhere
  • eForms
  • Text alerts
  • Credit card and ACH down payment
  • Agent and insured web portal
  • Agency dashboard on provides insight into insured activity


IPFS system integrations are tools that enhance agency management systems. With our custom solutions we have seen dramatic improvements in efficiency and profitability with our partner agents. Depending on which agency management system is in place, we will recommend integration solutions that improve quoting, processing, and reporting.

  • IPFS QuoteLink® - Pre-built integrations with agency management systems such as Prevail and Applied
  • IPFS CustomLink® - Third-party integrations with submission tool for agencies that prefer not using eSign
  • IPFS DataLink® - Data reporting technology
  • IPFS eCommLink - Integrates using IPFS CustomLink with additional payment processing for the life of the account


Where permitted by applicable law. IPFS’s down payment processing service is provided as a convenience only and is subject to prior agreement to IPFS’s terms and conditions. Fee amounts vary by state and may vary between personal and commercial loans within a particular state, depending on applicable law. Payment application cutoff times may vary depending on payment option selected, and processing times may vary; loan obligators are at all times responsible for making payments by the payment due date and prior to any applicable cutoff time. Imperial PFS is a trade name affiliated with IPFS Corporation® (IPFS), a premium finance company. Access to products and services described herein may be subject to change and are subject to IPFS’s standard terms and conditions in all respects, including the terms and conditions specifically applicable to use of IPFS’s website and mobile application, as applicable. Loans remain subject to acceptance by IPFS in its sole discretion; issuance of a quote does not constitute an offer to lend. Copywrite © 2017 IPFS Corporation. All rights reserved.

Benefits of Premium Financing

While technology and custom integrations are a crucial piece of our service offerings, how does partnering with Imperial PFS affect my bottom dollar? Here are just a few ways premium financing with IPFS benefits you:

  • Premium financing services provide a competitive service offering for insurance agencies
  • Custom integrations save time, energy, and labor costs
  • Our team of professional IPFS Associates are nationwide across the U.S. and Puerto Rico
  • Premium finance allows unique opportunities when business owners might not otherwise be able to afford the appropriate level of insurance

Continuing Education

Imperial PFS has created the industry’s top premium finance continuing education program. We offer multiple classes designed to appeal to your employees with different skill sets and credit requirements.

Arranging a class is easy. We teach at the location of your choice, and we file all required state forms, free of charge. Our certified instructors are experienced in the field, and are located throughout the United States and Puerto Rico. Many of our attendees have expressed that the class is one of the best they’ve taken. We provide four courses: Premium Finance Options, Premium Finance Express, Avoiding E&O Loss and the Fundamentals of Ethics.

Course offerings vary by state. Contact your Sales Executive for availability, course credit information, and additional details.

Purchase Plans

Are you interested in starting a premium finance company? For many years, Imperial PFS has helped premium finance companies grow by purchasing their premium finance company’s receivables.

With Imperial PFS as your strategic vendor, your premium finance company will have increased access to funds and services without tying up credit lines. This program allows you to customize your own market rates and streamline operations by reducing the administrative work associated with billing and collections. Your agency-owned premium finance company can produce profit without the need of additional people or resources.

Working with Imperial PFS provides multiple benefits including:

  • Additional income
  • IPFS assumes the risk
  • Eliminate expenses as IPFS assumes all billing and collecting responsibilities after purchase
  • Additional services for your Customers, while IPFS provides free access to our online quoting system and credit analysis

Our experienced team can guide you through the process of starting your own premium finance company in your state. Or, if you’ve already started a company, talk with us about enhanced services Imperial PFS can provide.

*Please note that not every program listed above is available in every state. A program’s availability in a particular state, among other considerations, is determined on the applicable law of such state.

Learn How IPFS Benefits Insureds


Benefits for Business Owners

Financing your commercial insurance premiums gives you the flexibility to use your working capital more effectively. Freeing up capital can allow you to focus on product development, hiring new employees, marketing and other investments to grow your business.

Learn More


Benefits for Insurance Companies

The insurance industry is digitally enhancing its purchase and service model to elevate the customer experience for insureds. This is where IPFSDirect® steps in. IPFSDirect is a business unit established under IPFS Corporation who works exclusively with insurance companies providing payment and collection services.

Learn More