Every client has different priorities when purchasing life insurance. Long Term Care and Chronic Illness riders may be exactly what they need.
Tag: Life Insurance
Guaranteed Refund Option Resurgence
Guaranteed Refund Options have returned to the life insurance industry. Find out why and how this may affect your client’s life insurance policy.
Markets Down Memory Lane
Reflecting on industry history can help you guide your client to a well-informed decision about their life insurance policy. Read about how two of the industry’s most important markets (GUL and IUL) have changed over the years and where they stand now.
Looking Through the 70% Window
In the land of Indexed Universal Life, the selected illustrated rate is one of the most debated factors considered when comparing product performance. Read why we created the 70% window.
Hedging Strategies
Read our approach on four useful hedging strategies when it comes to the Indexed UL sale.
Interest Bonus
Interest bonuses are accompanied by a variety of bells and whistles, which can overwhelm IUL policy seekers. Let us help you get a handle on this important IUL feature.
Early Cash Value Riders
With over 40 life insurance products that offer cash value enhancement riders, how do you know which ones produce the highest liquidity in the early years of a policy? Learn more here.
VUL Endowment – Primary Guarantees
VUL primary guarantees can be thought of as nice additions for clients who are willing to take risk, training wheels for the less aggressive, but perhaps not substantial enough to meet the needs of conservative clients.
Large Age Gap Study
Age differences between couples can affect their decision about survivorship policies. Our study observes couples of different age gaps and reveals factors that should be considered throughout their policy-purchasing process.
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.