Monday, March 23, 2015

What is premium financing - Premium Financing using Indexed Universal Life



Full recourse premium financing is making a significant come back in the banking market using indexed universal life. Robert has a patent pending methodology that uses specific indexed universal life contracts with fixed policy loan rates to achieve repayment of the institutional bank loans at the end of the tenth year. In addition, Robert's strategies pay annual interest and a small portion of principal annually to mitigate some of the risk associated with bank loans.

This is a remarkable strategy that employs the economic leverage of institutional bank loans and the tax advantages of indexed universal life insurance with participating policy loans. A key tactical component is creating cash flow by paying smaller interest payments rather than traditionally higher premium payments. The second tactical component is using institutional monies instead of invested assets that are performing well. With a low interest rate environment, premium financing can be a significant opportunity for qualified and suitable investors.

Syndicated financial columnist and talk show host Steve Savant interviews premium funding strategist and life insurance consultant Robert Strauss, J.D. Robert is the founder and CEO of the Disciplined Advisor Network. This is episode 1 of 5 in the series, Premium Financing using Indexed Universal Life.

About Steve Savant

Steve Savant

As the National Marketing Spokesperson for Ash Brokerage, Steve Savant looks forward to meeting financial professionals in every way possible - in person or by video through conferences and social media.

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