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On August 9th, 2025, the Life Actuarial Task Force (LATF) Life and Annuity Illustration (A) Subgroup (what a name) released the newest revision proposal for Actuarial Guideline 49. This version reflects suggestions made by the American Academy of Actuaries and the American Council of Life Insurers (ACLI), focusing on how indexes are presented in an illustration. Its clear intent is to address the industry trend of using low volatility or engineered indexes that display hypothetical returns in years prior to the indexes’ actual existence.
Importantly, there are no changes that should impact illustrated rates or values. This proposal is solely geared towards how recently launched indexes are displayed in the narrative (non-ledger) section of the illustration. This means if it was implemented today, LifeTrends benchmarks would not change with products’ current allocations.
Since the original Actuarial Guideline 49 (AG49) was implemented in 2015, there has been a tremendous amount of product development for Indexed Universal Life products – more than any other permanent product line. Much of this development is easier to understand when looking at the changes in the regulatory environment of AG49.
Explore how innovation is reshaping the future of long-term care.
LifeTrends’ The Long-Term Care Journey: How Market Shifts Sparked Linked-Benefit Innovation, explores how decades of market evolution paved the way for today’s dynamic linked-benefit solutions. From the decline of traditional LTC insurance to the rise of hybrid life and long-term care products, this white paper unpacks the trends, challenges, and breakthroughs that redefined protection for aging Americans.
Whether you’re an advisor, carrier, or strategist, this is your guide to understanding where the LTC market has been – and where it’s headed next.
