For those who remember September of 2015, it was the big month in the world of Indexed Universal Life (IUL) as the first phase of Actuarial Guideline (AG) 49 took effect.Five years does a lot for product development, and what initially brought standardization to crediting...
Nothing lasts forever. Remember how quickly the VCR became obsolete as soon as DVD players came on the scene? Technology since then has come a long way because things change, and change helps push innovation. The life insurance industry is no exception. People constantly innovate...
In March we read about the Federal Funds rate dropping to .25%. About that same time, we started seeing carriers announce many changes to their product portfolios. So, the obvious question is, what is the relationship, if any, between the two?...
Given the current economic climate, some insureds may be seeking ways to supplement their income by using their life insurance policy as a source of cash flow. It is important to recognize that taking loans can have unintended risks, such as taking too heavy a...
Because the product marketplace is in constant flux, it is always critical to have many tools in your toolbox in order to fulfill any potential client need. Perhaps one of the most useful and sophisticated features on the LifeTrends website is the multi-benchmark option....