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Webinar Library

Below is a collection of recorded webinars that explain several key reasons why Lionsmark Capital should be the only premium financing intermediary you should use for your large cases.  Click on each "tile" below to watch the recorded webinar video.

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Lionsmark Capital's  4 Unique Premium Financing Designs + Our Proprietary Backtesting Software  (43 minutes) 
We have been flooded with requests to talk directly with our Founder & CEO Darren Sugiyama to learn about all of our lending options.  His calendar is usually booked out 2 weeks in advance, so instead of waiting for an available slot in his calendar, we have a video recording of a full overview of Lionsmark Capital's unique premium financing methods.

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How To Use IRA Funds To Purchase Premium Financed Life Insurance (21 minutes) 
When a person has >$1MM in IRA funds and they have accumulated enough wealth elsewhere wherein they don't need their IRA funds to retire on, they will often times take the bare minimum RMDs, and leave the bulk of the IRA to their kids... however what they may not realize is that these funds will be double taxed... first with income taxes, and then with estate taxes.  In California, that's a total tax rate of 70.18% in taxes. 

How Our Proprietary Backtesting Software Works (17 minutes) 
Over a decade ago, Darren Sugiyama began building an educationally based tool to teach clients how an IUL actually works in the form of a "proxy" for the real world product.  We can model the behavior of this model during times of volatility under certain assumptions regarding floors, caps, multipliers, and asset-based charges.  Watch this video of Darren explaining our extensive due diligence.

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Why Are Some Premium Financing Clients Getting Hit With Huge Collateral Calls? (22 minutes) 
In this webinar, Darren Sugiyama explains how many OTHER premium financing intermediary firms miscalculate the collateral requirements, and why clients are getting hit with much larger-than-expected collateral calls. It's because the collateral calculation was miscalculated from the very beginning.  Watch this webinar to see the ugly truth about collateral miscalculations as Darren peels back the layers of the onion.

"I have been accused of being the Tony Robbins of the life insurance industry... and that's just fine with me."
- Darren Sugiyama

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Premium Financing Whole Life  (23 minutes) 
Though IUL is more popular in premium financing at the moment, using Whole Life can be very appealing to certain clients.  In this webinar, we show a case study using Penn Mutual's Guaranteed Whole Life II product and compare the outcome to a non-insurance based investment, taking into consideration investment fees and estate taxes.

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The Architecture Of A Premium Financing Sale  (41 minutes) 
In this webinar, Darren Sugiyama explains the process of developing the "architectural design" of a premium financed life insurance policy, as well as the most efficient "marketing process" and "sales process" that best helps a client understand the components. Lionsmark Capital has produced some fantastic content (educational videos) that advisors can share with their clients, which will be explained in this webinar.

"Today is the victory over yourself of yesterday;
tomorrow is your victory over lesser men."
- Miyamoto Musashi

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The 10 Most Important PF Questions In 2023  (29 minutes) 
In this webinar, Darren will teach you:
*How to address rising interest rates
*How to talk to upset clients
*Why some irresponsibly designed PF cases are blowing up
*What you should be teaching your clients about PF


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Lionsmark Capital's  Process  (1 hour, 26 minutes) 
In this webinar, Darren will teach you:
*The initial marketing message to a client/prospect
*What to send the prospect before the initial meeting
*How to set up the initial Zoom meeting with the client
*What the first Zoom meeting should look/feel like
*What the client should experience on the 2nd Zoom meeting


"The better you get, the better you better get."
- Darren Sugiyama

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Lionsmark Capital's  4 Unique Premium Financing Designs + Our Proprietary Backtesting Software  (23 minutes) 
In this recorded webinar, Darren Sugiyama shares two new lender offerings.  One platform offers borrowing rates under 4.00% (sometimes as low as 3.00%) using a Swiss-Based lender, and the other is offering a 5-Year FIXED rate as low at 5.35%.  To find out if your client qualifies, watch this recorded webinar!

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How To Structure A Charitable Program Between A 501(c)3 And Donors (31 minutes) 

In 2017, we installed a charitable program in a private university and placed 23 premium financed life insurance policies without any health underwriting.  In this webinar, Darren Sugiyama will explain exactly how he did it, and how Lionsmark Capital is in the process of doing another group of 10 premium financed policies using the same university program.

"Transparency and authenticity produces a far more beautiful outcome than faux perfection."
- Darren Sugiyama

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Transparency & Gratitude: The Two Most Powerful Tools To Implement In Your Financial Practice (1hour, 4 minutes) 
These are two of the most powerful concepts to implement in your business, but also very uncommon in the financial services industry. Most advisors walk around with their chest puffed out, bragging about how successful they are, but deep down, they know their lives aren’t perfect. Is anybody real anymore? In this webinar, Darren Sugiyama shares his difficult path in the insurance industry and transparently discusses the many challenges he faced along the way.

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What Is The Future Of Premium Financing Borrowing Interest Rates? (24 minutes) 
In this webinar, Darren Sugiyama talks about how interest rates have increased during the first quarter of 2023, what the projected future interest rates look like, and how they will affect premium financing.He also talks about a new premium financing strategy for clients that are concerned with interest rate risk and collateral risk. 

"Showing off is the fool's idea of glory."
- Bruce Lee

This is one of my favorite quotes because RESPECT is one of
the seven virtues of the Bushido Code that samurai lived by.

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Is Pacific Life's Horizon IUL Any Good? We stress-tested it, and the verdict is...  (44 minutes) 
In this webinar, we dive deep into Pacific Life's new Horizon IUL where we stress-test the multiplier proposition using the “Performance” asset-based charges and the multiplier bonus factor. This webinar explains how these variables work, when they work, and why they work.

"When you work with me, you don't pay
for a service
You pay for results."
- Darren Sugiyama

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Darren Sugiyama Gets Grilled By An Advisor With Some Hard-Hitting Questions (52 minutes) 
In this recording of a private Zoom call (which the advisor agreed to let us broadcast with her anonymity), Darren addresses her questions regarding collateral miscalculations, how IUL floors and caps are created, how IULs compare to whole life, how Lionsmark Capital stress-tests our premium financing designs, and proper client suitability.

Leveraged G2 Planning:  A Special Partnership Between Lionsmark & The Rushmore Group (28 minutes) 
This webinar explains how one client saved $16MM in estate taxes, as well as announces our formal partnership collaboration between Lionsmark Capital and The Rushmore Private Client Group.  Unlike the old Generational Split Dollar designs that used MEC policies wherein the policy was intended to be lapsed early, our Leveraged G2 Plan uses a max-funded non-MEC policy on Generation Two that is intended to stay in force long-term for the benefit of on Generation Three.

"The best way to to receive massive blessings is to feel entitled to none of them."
- Darren Sugiyama

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IUL Smoke & Mirrors:  A Deep Dive Comparison Between Two Different Designs (40 minutes) 
In this webinar, Darren Sugiyama reviews a case study... male, age 59, Table 5.  As he compares the carrier illustrations of two different carriers, one carrier (Penn Mutual) illustrates substantially better than the other ("Carrier X"), however in Lionsmark Capital's backtesting software, it is quite the opposite.  You will be absolutely shocked.

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High Interest Rate Environments Actually Make Premium Financing Even Better 
(37 minutes) 
In this webinar, Darren Sugiyama analyzes historical borrowing rates over the last 40 years including 1982 (when Prime was 11.00%).  This webinar addresses what is perhaps THE MOST IMPORTANT thing to understand about the Premium Financing proposition.

"The best way to build magical relationship is to give before you take."
- Darren Sugiyama

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Tutorial:  How To Talk To A Client About Using An IUL For Retirement Planning (39 minutes) 
In this webinar, Darren Sugiyama teaches life insurance agents and financial advisors how to talk to a client about using an IUL for retirement planning purposes.  He also gives you a FREE resource you can use with clients.  Watch this webinar recording for more details.

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Using Premium Financed Life Insurance As A Retirement Plan
(43 minutes) 
We filed a trademark back in 2018 for "Leveraged Index Arbitrage," our proprietary version of using premium financing as a retirement plan.  In this webinar, we'll discuss the "right" way to do it, as well as several "wrong" ways to do it. 

"The best way to strike a better deal is to over-deliver before you attempt to negotiate."
- Darren Sugiyama

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The Myth Of Free Life Insurance
(58 minutes) 
In this webinar, Darren Sugiyama will show you a "Free Insurance" proposal that an agent asked him to analyze. It looked like it worked using the carrier illustration... but when we dropped the data into our backtesting / stress-testing software, the so-called "Free Insurance" ended up being $21,691,844 underwater by the 40th year.

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The 5 Most Common Mistakes Insurance Advisors Make When Talking To Big Clients
(59 minutes) 
Lionsmark President - Darren Sugiyama - has taught and mentored insurance agents all over the country how to become better communicators and presenters.  In this live webinar, he gives advice on how to most effectively communicate with high-valued clients.

"I always want to get a good deal, but never at the expense of someone else getting a bad deal."
- Darren Sugiyama

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Premium Financing Lawsuit as reported by The Wall Street Journal & Forbes (49 minutes)
In this webinar, Darren Sugiyama comments on a 7-figure premium financing lawsuit that was filed in 2022 against a life insurance agent and two carriers.  Darren also talks about how many premium financing firms miscalculate how much collateral is required by the lenders, and why this can lead to huge lawsuits against financial advisors and life insurance agents.  Darren also addresses the dangers of so-called "FREE INSURANCE" programs.


Are IUL Multipliers & Par Loans Dangerous?
(54 minutes)
In this webinar, Darren Sugiyama talks about how IUL products with multipliers actually work, and whether or not these multipliers are dangerous.  He also discusses participating policy loans and the reality of positive and/or negative arbitrage.

"Never trust a man that says I had to do what was right for my family.  That is a selfish man that does not understand what it means to live by a code of honor."
- Darren Sugiyama

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