In-DEPTH ARTICLES
Darren SugiyamaFinancial professionals typically use Standard Deviation, Sharpe Ratios, and Monte Carlo simulations for risk. These techniques are certainly important topics of discussion, however they all fail to articulate the most important element of risk.
Darren SugiyamaThe tax-advantaged treatment of the cash value accumulation inside a life insurance policy is very appealing for those who want a conservative alternative to a taxable stocks and bonds portfolio.
Darren SugiyamaThere is no such thing as a free lunch in Premium Financed Life Insurance. In addition, there are some gimmicks that I believe lure the wrong type of clients into premium financing, creating an unsuitable arrangement for all parties involved.
Darren SugiyamaOne of the most controversial design elements in modern-day IULs is the Multiplier Bonus. At the moment, the majority of IUL multiplier propositions allow a client to accept an additional asset-based charge in exchange for a multiplier bonus that enhances the index return.
