In this book, Premium Financing experts Darren Sugiyama and Jeff Faine transparently discuss all the risks that come with traditional premium financing, including borrowing rate increases, index volatility, and negative interest arbitrage liability. In an industry that has become controversial due to over-leveraged programs and interest accrual schemes, Sugiyama and Faine have gained a notorious reputation for being industry disruptors, and being the most conservative and transparent premium financing intermediaries in the industry. Their proprietary premium financing programs - "Leveraged Index Arbitrage" and "Leveraged Dividend Arbitrage" - are two revolutionary methods of financing life insurance premiums that eliminates collateral liability and protects the client against adverse market conditions. Their firm Lionsmark Capital has built a platform that consists of proprietary lending parameters utilized by five publicly traded banks, one privately held bank, and eleven life insurance carriers.