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Guaranteed variable universal life (GVUL) and traditional guaranteed universal life (GUL) products can seem like very different vehicles. After all, they look and feel like very different sets of wheels with their own individual styles, target audiences, and requirements, but under the hood, the same...

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....