Many producers have considered guaranteed universal life (GUL) as the go-to strategy for a simple, straight-forward sale, and for good reason. These products provide the rock-steady assurance of a long-term guarantee and premiums which have essentially remained competitive, despite significant pressure from a consistently lower...
The initial wave of excitement of Indexed Universal Life (IUL) has crested and crashed into a decry of illustration wars! Actuarial Guideline 49 (AG49) was supposed to be the stabilizer, to calm the turbulent water. But in the years following the regulation, creativity started to...
Say you had a term insurance product with an annual premium of $120 but you instead wanted to pay it in 12 equal monthly installments. Well fortunately for you, insurers give that option using the concept of term modal factors....
On January 11th, 2019, we celebrated our 8th anniversary. As we prepared to host our annual celebration with our friends, family and local industry contacts, we found ourselves reflecting upon our last 8 years....
Well, everyone, the end of another year is approaching us rapidly. As I sit here, sipping my hot cup of coffee, gazing out my window at the frozen wasteland of a bright, sunny, 62-degree Austin day, it seems good to engage in a...