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  • What to Expect when you Are Expecting AG 49-A

    For those who remember September of 2015, it was the big month in the world of Indexed Universal Life (IUL) as the first phase of Actuarial Guideline (AG) 49 took effect.Five years does a lot for product development, and what initially brought standardization to crediting rates has been largely diluted as new designs have widened the gap of illustrated performance. In an attempt to re-level the playing field, a new task force was created about a year ago to add some revisions to AG 49 in an effort to put up some guide rails. Here are the basics of what you need to know.

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