Throughout our latest series, we’ve been on a journey to better understand loans… and we’re thankful you’ve come along! Recently, we’ve explored how Fixed Participating and Variable Participating loans work, and now we’re taking our deepest dive yet. In this final edition, we’ll explore a powerful, yet sometimes controversial element of loans…. Arbitrage! Check out The Deepest Dive: Illustration Arbitrage in Participating Loans where we cover both the regulatory and illustration environment, and the result to the consumer.
Category: Analysis
Deeper Dive: A Closer Look at Fixed Participating and Variable Participating Loans
This Deeper Dive covers the popular and innovative space of Participating Loans, both Variable and Fixed. We’ll show how they work, the components of each loan type, and which carriers are utilizing which strategy.
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.
Déjà 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.