Review a brief examination of life insurance trends from 2018 to the present.
Tag: Analysis
AG 49-A: After the Clouds Have Cleared
We turned our attention to the actual effects of AG49-A on the IUL market. How much impact did illustrations actually experience? Take a look.
What to Expect when you Are Expecting AG 49-A
In an attempt to re-level the IUL playing field, a new task force was created to add some revisions to AG49. They settled on the changes, now dubbed AG49-A. Learn what you need to know.
Product Evolution: How Long Do Products Stay on Top?
Carriers constantly innovate to make new and better products, and no product stays at the very top forever.
Interest Rate Interplay: A Chief Actuary’s View
What is the relationship between the Federal Funds rate and carriers announcing changes to their product portfolios? Learn more here.
An Overlooked Insurance Feature: Overloan Protection Riders
Each company’s Overloan Protection Rider is unique. We help categorize the important aspects of each, so you understand what to expect.
Rocking Around the LifeTrends Tree
It’s Giving Season, and the industry has been very generous in 2018. See how we laid out the year’s major market trends.
Safety in Numbers: Endowment Scenarios
While most of the market is minimally funding their policies, wouldn’t it be better to endow them for that extra cash build up as safety net? In a world of Indexed UL uncertainty, it seems smart to build more of a cash value cushion. We decided to dig into the numbers and find out if this hedge is a worthwhile approach.
Early Premium
While universal life policies are touted for having more “flexibility” than whole life, the timing of payments is still important for ensuring that the policy doesn’t come across any hitches. Changing up the premium pattern can be a dangerous game and might affect the integrity of the product being sold.
TLC for LTC
Every client has different priorities when purchasing life insurance. Long Term Care and Chronic Illness riders may be exactly what they need.