This month, our “get to know” series brings it back in house to talk to our own Sarah Flint. Read on to learn more about Sarah, how she came to join us here at IPL, what she wished more people knew about PPLI and, of course, what she’s watching on TV these days.
I am a Case Design Analyst for IPL. I work closely with advisors and agents to customize policy designs based on each client’s unique needs and objectives. My role involves supporting our Managing Director in New Business Sales, and I am primarily involved in the initial phases of our workflow, creating illustrations and seeing the policy through to issuance.
I was raised in Fairfax, Virginia – just outside of Washington, DC, an incredible place to grow up! I moved out West to attend Arizona State University where I earned my degree in Business Data Analytics.
I became interested in a career in finance during my college years. After graduating I went to work for a large bank as a Business and Data Analyst, which reinforced my love for the financial services industry. However, working in background analysis made me realize that I really want to be working directly with the products and the customers.
I found Investors Preferred because I was looking for a role where I can make a real and personal difference by working directly with the products and the customers, and I was fortunate to be selected for the position. Investors Preferred has been an ideal fit for me. The work has provided everything I was looking for, I have learned and grown tremendously, and I love coming to work every day!
What I find most interesting about PPLI is the flexibility of the separate account component. Unlike traditional general account life insurance, where the carrier controls the investment allocation and the policyholder is essentially participating in the insurer’s portfolio, PPLI allows assets to sit in a separate account that’s legally segregated from the carrier’s balance sheet. That opens the door to using a customized separately managed account. Instead of being limited to a menu of proprietary funds, the client can work with their own investment manager and align the strategy with their sophisticated portfolio.
I wish there were greater education around PPLI, especially in the RIA world, as it is a powerful and sustainable tax solution in a high–income-tax environment, particularly for clients pursuing sophisticated planning strategies and experiencing significant income-tax drag on advanced and alternative investments. Clients are moving into alternatives, private equity, and private credit because of the strong returns, but these investments are not tax efficient. This is where PPLI comes into play as clients can have those same investments in a tax-advantaged structure.
There are many advantages of working with IPL that we’ve worked hard to establish, but to highlight a few, I’ll say our transparent and client-friendly policy structure. Because we are solely focused on custom-designed PPLI solutions, we have teams dedicated to servicing each stage of the process – from initial inquiries to case design, investment research, policy inception, and life-long policy needs. Why are we pure-play PPLI/PPVA? This lets us be laser focused on our lane. We offer a white-glove service component that is efficient and advantageous to our partners and policyholders alike. We know private placement and we know it best!
Clients also experience full cost-transparency. Policy values reflect true separate account asset performance and there are no hidden spreads. As part of our lean fee structure, clients will enjoy lower administrative fees and lower cost of insurance. Lower internal costs create a higher net return on assets inside the policy and improve long-term tax performance.
My top TV show of all time and a constant rewatch, is Vanderpump Rules. Love some Bravo drama! (Original seasons only).
Unlocked: A Jail Experiment – current binge
New Girl – a classic feel-good
