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The success of premium financing depends on the positive arbitrage between policy crediting and the cost of capital. For the last ten years, IUL cap rates have trended downward, but most premium financing arrangements performed because lending rates were so low. In the Spring 2022, the Fed raised interest rates to combat inflation. Lower caps and higher rates will undermine premium financing arrangements. In this session, Jack outlines the risks to existing premium financed cases, the need for expert reviews, and alternatives for "rescuing" these cases. Clients need an accurate forecast of their premium financing deals with realistic alternatives so they can make the best decision possible about their coverage.

Topic(s): Premium Finance
Presenter(s): Jack Elder
Session#: FIN2401-309
Session Length: 45 minutes
Program: 2024 Finseca Advanced Markets
Date: May 24, 2024

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Jack Elder

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Premium Finance Rescue

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Presenters

Jack Elder

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