This months’ Deeper Dive: A Closer Look at Fixed and Variable Fixed Loans, reviews a new part of the Loan Quadrant where we’ll start with a peek at the “OG” of policy loans, Fixed, and finish with a more detailed review of the less common Variable Fixed.
Category: POINTS
Deep Dive: Navigating the World of Policy Loans
Life Insurance, as understood by the general public, is pretty simple. You pay a premium on a regular basis, and when you die, your beneficiaries get a lump sum payout.Easy, simple, boring… life insurance.
What’s often greatly misunderstood is the Cash Value component!
AG49-A Revisions: Same Song, Different Dance
AG49-A Revision initial insights to illustration and product adjustments.
Keeping Track of Change, Change and More Change
Review a brief examination of life insurance trends from 2018 to the present.
DĂ©jĂ VUL
The ’90s are making a comeback, even in the realm of life insurance. Take a closer look at how market trends resemble those from decades ago.
Wait, What? How Much Can You Accelerate with a Chronic Illness Rider?
We zeroed in on the riders available on life insurance. The most prevalent are chronic illness riders. Not much attention has been given to how widely benefit amounts can vary or what the actual cost to accelerate is (at the time of claim). Read on to see what we found.
7702 and 7702A: Unpacking the Changes
What is the background of 7702 and 7702A and why was the change made? Learn more here.
AG 49-A: After the Clouds Have Cleared
We turned our attention to the actual effects of AG49-A on the IUL market. How much impact did illustrations actually experience? Take a look.
Overcoming 2020: PBR/2017 CSO, Low Interest Rates, COVID-19, and AG 49-A
While the low interest rate environment and COVID clearly affected 2020, the year was also packed with other major themes for our industry, like PBR/2017 CSO tables and AG49-A.
Whole Life Dividends: Options for Growth
Most companies have “the core four” dividend options on their participating WL products. We decided to investigate the different dividend options in the participating whole life market.