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IUL Tag

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...

The initial wave of excitement of Indexed Universal Life (IUL) has crested and crashed into a decry of illustration wars! Actuarial Guideline 49 (AG49) was supposed to be the stabilizer, to calm the turbulent water. But in the years following the regulation, creativity started to...

Sometimes, one of the most cathartic things anyone can do is pause and reflect. In those moments when I actually take the time to slow the frenetic activity in daily life, setting my mind to consider where I’ve been, where I am, and where I’m...

In the land of Indexed Universal Life (IUL), the selected illustrated rate (IR) is one of the most debated factors considered when comparing product performance. Comparing products at their regulatory maximum IR can be overly optimistic, while a lower fixed return rate (such as 5%...

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...