Most life insurance products offer some form of living benefit riders. These riders can either be built into the policy or made available as an add-on. Look at some options here.
Category: POINTS
The Pulse of the Industry: COVID-19 Responses
COVID-19 presented the life insurance industry with unique challenges. Hear from our partners about the innovation, technologies and efficiencies that were created to keep our industry going.
ReVving Up: Another Look at Guaranteed VULs
Guaranteed variable universal life (GVUL) has been in the market for some time now, and these products are certainly worth another look, especially given increased partner interest and feedback on the topic.
What to Expect when you Are Expecting AG 49-A
In an attempt to re-level the IUL playing field, a new task force was created to add some revisions to AG49. They settled on the changes, now dubbed AG49-A. Learn what you need to know.
Product Evolution: How Long Do Products Stay on Top?
Carriers constantly innovate to make new and better products, and no product stays at the very top forever.
Interest Rate Interplay: A Chief Actuary’s View
What is the relationship between the Federal Funds rate and carriers announcing changes to their product portfolios? Learn more here.
An Overlooked Insurance Feature: Overloan Protection Riders
Each company’s Overloan Protection Rider is unique. We help categorize the important aspects of each, so you understand what to expect.
Using All the Tools in Your Toolbox with Multi-Benchmarking
One of the most useful and sophisticated features on the LifeTrends platform is the multi-benchmark option. A veritable Swiss-army knife in the right hands, the multi-benchmark is a quick and easy way to keep up in today’s ever-changing marketplace.
Premium Deposit Account: A Policy’s Friend with Tax Benefits
Some carriers offer a Premium Deposit Account (PDA). A PDA provides the convenience of funding a policy with a one-time payment along with a non-MEC premium structure.
Looking Back on the “Twenty-Teens” — Decade in Review
Let’s look back on where the ‘twenty-teens’ brought us. With regulation changes and beyond, we’ve seen some movements on all life product lines in the past nine years.