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A man walks into…a producer’s office with a bag of extra cash to put towards his future financial needs. The producer suggests putting the money into a life insurance policy so that he can provide financial security to his loved ones upon death, while also...

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...

Say you had a term insurance product with an annual premium of $120 but you instead wanted to pay it in 12 equal monthly installments. Well fortunately for you, insurers give that option using the concept of term modal factors....