Modal factors hardly affect Term premium positioning. Rest assured that switching from annual to monthly premium will not drastically change the competitive positioning of your product.
Tag: LifeTrends
LifeTrends is Celebrating 8 Years!
LifeTrends prides itself in partnership and collaboration. Karen Joyner and David Lear express gratitude for those behind LifeTrends’ success as we celebrate our 8th anniversary!
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.
Early Premium
While universal life policies are touted for having more “flexibility” than whole life, the timing of payments is still important for ensuring that the policy doesn’t come across any hitches. Changing up the premium pattern can be a dangerous game and might affect the integrity of the product being sold.
TLC for LTC
Every client has different priorities when purchasing life insurance. Long Term Care and Chronic Illness riders may be exactly what they need.
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.