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...
Variable Universal Life (VUL) products have come a long way since their debut in the 1980s. Their tagline is simple – they are universal life products whose cash component is invested in the market rather than growing by rates set by ...
In today’s market, not all couples are similar in age. Many pairs of clients with larger age differences are also interested in purchasing life insurance. When looking at survivorship policies, can we advise these couples in the same way we advise...
It’s hard to know what illustrated rate is reasonable for an Indexed Universal Life product. Max rates use the caps and floors against historical data to determine a reasonable flat rate; however, it is easy to debate the applicability of the interest rate that results...
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....