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.
Tag: Indexed UL
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.
Telling Time: A Historical Look at Accumulation IULs
IUL is at the forefront of innovation and effort within the industry. Due to its increased popularity, we wanted to look into how accumulation IULs have changed in the past few years.
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.
Interest Rate Sensitivity
It’s hard to know what illustrated rate is reasonable for an Indexed Universal Life product. Read about a test we performed to gain one perspective on these interest sensitive products. The moral of the story? Monitoring your client’s policy is essential.
Guaranteed Cash
In the Indexed UL world, we tend to see a bright and sunny picture based on higher illustrated rates, but what would happen in the worst case scenario? See what we discovered about guaranteed cash value at retirement.