Some carriers offer a Premium Deposit Account (PDA). A PDA provides the convenience of funding a policy with a one-time payment along with a non-MEC premium structure.
Tag: Cash
Term A La Modal Factors
Modal factors hardly affect Term premium positioning. Rest assured that switching from annual to monthly premium will not drastically change the competitive positioning of your product.
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.
Guaranteed Refund Option Resurgence
Guaranteed Refund Options have returned to the life insurance industry. Find out why and how this may affect your client’s life insurance policy.
Early Cash Value Riders
With over 40 life insurance products that offer cash value enhancement riders, how do you know which ones produce the highest liquidity in the early years of a policy? Learn more here.