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Data, Analysis, Industry, Culture

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....

In the Indexed UL world, we tend to see a bright and sunny picture-typically very positive projections based on higher illustrated rates. Lately, this optimistic atmosphere has been further reinforced with the arrival of interest ...