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.Â
Category: Analysis
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 Actuaryâs 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 companyâs Overloan Protection Rider is unique. We help categorize the important aspects of each, so you understand what to expect.
Premium Deposit Account: A Policyâs 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 âTwenty-Teensâ â Decade in Review
Let’s look back on where the âtwenty-teensâ brought us. With regulation changes and beyond, weâve seen some movements on all life product lines in the past nine years.
2019 Year in Review: Donât Blink
2019 held some of the most product turnover, innovation, and controversy of any in recent memory. If you blinked, you may have missed something. Catch up here!
Juvenile Life Insurance: The Young and the Riskless
The concept of juvenile life insurance is appealing for many parents (and even grandparents) as a great way to accommodate their familyâs future needs.
The Best of Both Worlds: A Look at Combo Products
Though the concept of long-term care (LTC) is not a new one, we have seen a resurgence in its popularity integrated into life insurance. These once-expensive, standalone products that covered the cost of care in the event of a chronic illness or disability have found a new home in the pared-down form of long-term care combination (LTC Combo) products.