Accumulation Tag

March 25, 2019

LifeTrends 70% Window

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...

by Ryan Swartz

LifeTrends, Risk, Retirement, age, insurance, life insurance, Points, IUL, Interest rate, accumulation

June 26, 2018

Analysis

Looking Through the 70% Window

In the land of Indexed Universal Life (IUL), the selected illustrated rate (IR) is one of the most debated factors considered when comparing product performance. Comparing products at their regulatory maximum IR can be overly optimistic, while a lower fixed return rate (such as 5%...

Accumulation Tag

LifeTrends 70% Window

by Ryan Swartz

Looking Through the 70% Window

by Orion Robillard

Lasting Legacy with Maximum Benefits: Single-Pay Whole Life

Bridging the Gap Between GUL and IUL

LifeTrends 70% Window