by Kasey Gammons, LifeTrends Sr. Analyst
Participating loans have been around for some time now. Even after the second portion of AG-49 launched on March 1st, 2016, restricting illustrations to a 1% credit to the loaned amount, they continue to be very popular in the Indexed UL world. The appeal certainly makes sense when dealing with more risk-tolerant clients: loaned values still participating in index options crediting can potentially be a huge boon in income-oriented policies. However, even a brief perusal of the options for these participating loans reveals a great deal of variety. This led us to ask the question: What are the primary differences between the various types of participating loans currently in the market?
Please open the document below to continue reading.