Our proprietary software creates a hypothetical synthetic asset as a proxy for the life insurance policy to educate clients and advisors how certain crediting methods, charges, floors, caps and multipliers can affect financial outcomes.

 

This synthetic asset is backtested throughout 121 different historical 40-year periods, modeling index volatility, participating loan arbitrage (both positive and negative), and variable interest rates.

We are the ONLY premium financing intermediary that has the capability to model these essential elements.

 

No other premium financing intermediary can say that.

​​

Below are four different premium financing platforms in our offering:

01

First-Dollar

Financing

*Traditional "Vanilla" Design

*Borrow 100% of Premiums

 *Pay 100% of Interest Each Year

 *Pay Off Lender Around Year 15

 *Outside Collateral Required

*Option to Reduce DB for Income

02

Leveraged

Index Arbitrage

 *Pay 1st Year Premium 

*Borrow Remaining Premiums

 *Pay 100% of Interest Each Year

*Pay Off Lender In Year 14

 *No Outside Collateral Required

*Option to Reduce DB for Income

03

Partial-Equity

Interest Accrual

 *10-Year Level Contribution

*Pay Some Premium Out-Of-Pocket

 

*Borrow Remaining Premium

 *Accrue 100% of Interest Each Year

*Pay Off Lender in Year 15

 *Outside Collateral Required

04

Omakase

Pension Alternative

 *10-Year Level Contribution

*Outlay Is Premium & Interest

*10-Year Fixed Borrowing Rate

 *Payoff Lender in Year 11

 

*Income Drawdowns In Year 12

 *No Outside Collateral Required

premium financing

superior