Darren Sugiyama developed this IUL backtesting platform to test the efficacy of not only Indexed Universal Life Insurance policies, but also the S&P 500 index and 10-year T-Bonds. This obsessive desire to teach others how IULs actually work – as well as premium financing – led Darren to build this educational tool. Darren’s quest to expose the truth about IULs began in 2012, and a decade later, this backtesting platform has become the industry’s gold standard when it comes to client education. There is literally no other firm in the life insurance industry that has this backtesting platform.

Darren calls this a Hypothetical Synthetic Proxy that teaches interested parties about both the advantages and risks when it comes to premium financing.

This valuable intellectual property that Darren created is one of Lionmark Capital’s most valuable assets.