This months’ Deeper Dive: A Closer Look at Fixed and Variable Fixed Loans, reviews a new part of the Loan Quadrant where we’ll start with a peek at the “OG” of policy loans, Fixed, and finish with a more detailed review of the less common Variable Fixed.
Category: Industry News
Deep Dive: Navigating the World of Policy Loans
Life Insurance, as understood by the general public, is pretty simple. You pay a premium on a regular basis, and when you die, your beneficiaries get a lump sum payout.Easy, simple, boring… life insurance.
What’s often greatly misunderstood is the Cash Value component!
AG49-A Revisions: Same Song, Different Dance
AG49-A Revision initial insights to illustration and product adjustments.
DĂ©jĂ 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.
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.
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.
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.
The Big Apple-ton and Other Unique New York Regulations
New York has always been well-known in the industry as a state with unique characteristics. While each state has its own set of regulations, New York stands out with heavily consumer-focused rules.