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Guaranteed Cash Tag

“100% customer satisfaction guaranteed or your money back!” While life insurance is certainly different than these familiar ads, one of the major trends in guaranteed universal life (GUL) a few years back was a concept that ran along similar tracks known as Guaranteed Refund Options...

This tale begins with two opposite producers, Trusting Ted and Skeptical Steve – our somewhat unlikely heroes. Trusting Ted is very confident in carrier product design, selling policies through a rose-colored lens and always at the maximum illustrated rate based on his confidence in strong...

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 ...