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Picture this – the housing market is soaring, and the markets have been steadily increasing for years. While your first thought may be the present day, it also harkens back to the 1990s when there were very similar conditions. A sustained ‘bull market’ in the...

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...

Many producers have considered guaranteed universal life (GUL) as the go-to strategy for a simple, straight-forward sale, and for good reason. These products provide the rock-steady assurance of a long-term guarantee and premiums which have essentially remained competitive, despite significant pressure from a consistently lower...