First-Dollar Financing (FDF)
Premium Financing

HOW IT WORKS:

In this program, the client begins borrowing premiums and paying the full interest out-of-pocket starting in year one.  Interest is paid each year until the third-party loan is paid off (typically sometime between policy year 11-16). 

 

There will always be an outside collateral requirement in this program, and the client is required to sign a personal guaranty on the loan.  Different lenders on our platform (we currently have 14) will require different forms of collateral (cash, bonds, marketable securities, CDs, cash value of in-force policies, and sometimes even real estate equity).  Some lenders will require collateral to be moved and housed with them, and other lenders will simply take a collateral assignment against the funds house by the current institution that manages the client's portfolio. 

CASE STUDIES:

To watch a video of Darren Sugiyama reviewing an actual case study, click on the type of solution you are looking for below:

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RETIREMENT

INCOME

DESIGN

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DEATH

BENEFIT

DESIGN