While most of the market is minimally funding their policies, wouldn’t it be better to endow them for that extra cash build up as safety net? In a world of Indexed UL uncertainty, it seems smart to build more of a cash value cushion. We decided to dig into the numbers and find out if this hedge is a worthwhile approach.
Category: Analysis
Early Premium
While universal life policies are touted for having more “flexibility” than whole life, the timing of payments is still important for ensuring that the policy doesn’t come across any hitches. Changing up the premium pattern can be a dangerous game and might affect the integrity of the product being sold.
TLC for LTC
Every client has different priorities when purchasing life insurance. Long Term Care and Chronic Illness riders may be exactly what they need.
Guaranteed Refund Option Resurgence
Guaranteed Refund Options have returned to the life insurance industry. Find out why and how this may affect your client’s life insurance policy.
Markets Down Memory Lane
Reflecting on industry history can help you guide your client to a well-informed decision about their life insurance policy. Read about how two of the industry’s most important markets (GUL and IUL) have changed over the years and where they stand now.
Looking Through the 70% Window
In the land of Indexed Universal Life, the selected illustrated rate is one of the most debated factors considered when comparing product performance. Read why we created the 70% window.
Hedging Strategies
Read our approach on four useful hedging strategies when it comes to the Indexed UL sale.
Interest Bonus
Interest bonuses are accompanied by a variety of bells and whistles, which can overwhelm IUL policy seekers. Let us help you get a handle on this important IUL feature.
Early Cash Value Riders
With over 40 life insurance products that offer cash value enhancement riders, how do you know which ones produce the highest liquidity in the early years of a policy? Learn more here.
VUL Endowment – Primary Guarantees
VUL primary guarantees can be thought of as nice additions for clients who are willing to take risk, training wheels for the less aggressive, but perhaps not substantial enough to meet the needs of conservative clients.