Top
 

POINTS

Data, Analysis, Industry, Culture

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...

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...