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Data, Analysis, Industry, Culture

In the land of Indexed Universal Life (IUL), the selected illustrated rate (IR) is one of the most debated factors considered when comparing product performance. Comparing products at their regulatory maximum IR can be overly optimistic, while a lower fixed return rate (such as 5%...

This tale begins with two opposite producers, Trusting Ted and Skeptical Steve – our somewhat unlikely heroes. Trusting Ted is very confident in carrier product design, selling policies through a rose-colored lens and always at the maximum illustrated rate based on his confidence in strong...

Looking around at the Indexed UL landscape can be a little intimidating in a post-AG49 world. Seeking to distinguish themselves, nearly every carrier employs at least one, and likely more than one, method to improve illustrative...

Along with providing a death benefit, most forms of life insurance have the additional benefit of accumulating cash that is accessible to the policyowner. This cash tends to be limited in the early years due to typically higher costs of...