In this book, author and premium financing intermediary Darren Sugiyama
explores how Premium Financed Life Insurance truly is the key to
effective estate tax planning. He thoroughly explains different methods
of premium financing he uses with different types of clients based on
their unique circumstances. Sugiyama also takes a deep dive into
discussing how IUL policy charges and credits work, the sustainability
of the 0% floor, the difference between Fixed Policy Loans and
Participating Policy Loans, and IUL multiplier features. The granular
details of premium financing are articulated in a way that is highly
detailed, yet succinctly expressed in a way that a life insurance novice
can understand. Sugiyama transparently breaks down his methods of
mathematically modeling Premium Financed Life Insurance with a spirit of
authenticity, consumer protection, and full disclosure. In an industry
that often times paints a very opaque picture regarding how financial
instruments work, Sugiyama takes a disruptive approach by dispelling the
myths and uncovering the truths about how many of these sophisticated
estate planning instruments are built. This is an incredibly valuable
book for both clients who are considering using Premium Financed Life
Insurance as an estate planning tool, as well as financial advisors and
life insurance agents who are considering offering these strategies as
solutions for their high net worth clients.
