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Analysis

A man walks into…a producer’s office with a bag of extra cash to put towards his future financial needs. The producer suggests putting the money into a life insurance policy so that he can provide financial security to his loved ones upon death, while also...

Many producers have considered guaranteed universal life (GUL) as the go-to strategy for a simple, straight-forward sale, and for good reason. These products provide the rock-steady assurance of a long-term guarantee and premiums which have essentially remained competitive, despite significant pressure from a consistently lower...

The initial wave of excitement of Indexed Universal Life (IUL) has crested and crashed into a decry of illustration wars! Actuarial Guideline 49 (AG49) was supposed to be the stabilizer, to calm the turbulent water. But in the years following the regulation, creativity started to...