Interest Accrual Epic Fail

(30:14 minutes)

Many premium financing firms design programs that have NOT been properly stress-tested.  Watch this video to see how easily interest accrual premium financing programs can fall apart with a little market volatility, ESPECIALLY when they have been sold as a retirement income strategy.  This is downright scary!

Unique Net Worth Requirements

(40:07 minutes)

Most carriers require clients to have a minimum net worth of $5 million to qualify for premium financing.  We have a unique relationship with a carrier that allows clients with an income of $200,000 and a net worth of $500,000 to have access to our Omakase program.  Watch this video to find out how it works.

Simplicity Life:  1035 Opportunities

(54:36 minutes)

Simplicity Life recently sponsored this webinar for Lionsmark Capital to showcase how advisors can provide their clients with a larger death benefit and greater cash value accumulation by using the same outlay of their current policy, and 1035ing existing value into a new policy.

Pacific Life PIA6:  Performance+ Multiplier

(47:27 minutes)

People either love multiplier IULs or they hate them.  Some think they’re the best thing since sliced bread, and some think they’re too risky.  Multipliers are one of the most heavily debated issues right now.  Watch this video to learn the indisputable mathematical truth about multipliers.

Below are just a few videos of recorded webinars we’ve done.  At Lionsmark Capital, we believe in being completely transparent with our clients and the advisors & agents we work with.  These videos provide full disclosure and explain our process so you can understand what makes our programs so different.  Enjoy!

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LIONSMARK CAPITAL

Copyright © 2020

High Cap IULs:  Pacific Life vs. Penn Mutual

(41:44 minutes)

Two great carriers and two great products.  Both carriers have a High Cap IUL option.  Watch this video where we analyze how each performs in our Omakase Pension AlternativeTM during different lookback periods with volatility and an adverse sequence of market returns.

Why Not Just Pay The Premiums?

(3:18 minutes)

Many people will ask, “Why would I want to complicate things with premium financing if I have the cash to just pay the premiums out-of-pocket?”  Watch this video to find out why.

Fixed 10-Year Borrowing Rate?

(33:49 minutes)

We have an exclusive arrangement with lender Gracie Point wherein we can remove the risks of premium financing rate increases with a 10-year fixed borrowing rate.  No outside collateral, removing risk.  Watch this webinar video to see how this program works.

Why Isn’t Everyone Doing Premium Financing? Is It Too Risky?  (4:01 minutes)

If premium financing is the best thing since sliced bread, why isn’t everyone doing it?  Two words:  Risk & Debt.  We have developed a completely different (and more responsible) way of premium financing.  Watch this 4-minute video for a quick overview.

How Dangerous Is Interest Accrual?

(17:22 minutes)

In this video, we review a case study that was brought to us by a client.  Another premium financing intermediary had sold him this policy, financed using an irresponsibly leveraged strategy using interest accrual.  It worked assuming the policy enjoyed a 5.67% index credit each year, but when run at a 5.41% index credit, it would lapse in policy year 14.  It is not much different than paying full retail price for a fake Rolex watch.

Premium Financing Of Life Insurance Policies

- with Guest Darren Sugiyama (43:46 minutes)

Copper Beech Financial is a multi-family office and broadcasts a podcast called The Truth About Wealth.  On this podcast, Managing Partner of Lionsmark Capital - Darren Sugiyama - is interviewed about Lionsmark’s unique approach to mitigating risk in premium financing.

AG-49A Webinar (Part I)

(54:46 minutes)

As an advisor, you want to be able to transparently illustrate potential outcomes to your client when it comes to cash value accumulation and retirement income streams.  Watch this video above to see how unrealistically low these incomes will be with the new AG-49A guidelines that are being enforced in November 2020.  It will absolutely shock you.

AG-49A Webinar (Part II)

(26:17 minutes)

We just ran the EXACT same Pacific Life IUL policy using:

  1. The old version run on September 23, 2020

  2. The new AG-49A compliant illustration parameters

We used the Performance Plus multiplier and showed retirement income drawdowns.

  1. Old illustrated annual income drawdown:  $228,538

  2. New AG-49A annual income drawdown:  $72,139

Watch this webinar to see our solution to this problem.