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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...

Looking around at the Indexed UL landscape can be a little intimidating in a post-AG49 world. Seeking to distinguish themselves, nearly every carrier employs at least one, and likely more than one, method to improve illustrative...

It’s hard to know what illustrated rate is reasonable for an Indexed Universal Life product. Max rates use the caps and floors against historical data to determine a reasonable flat rate; however, it is easy to debate the applicability of the interest rate that results...