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Imagine yourself as a life insurance agent (probably not too far off for many of you). You sit at your desk thinking about your job… this is your livelihood, why you go into the office every morning, how you make money, the meaning of...

“100% customer satisfaction guaranteed or your money back!” While life insurance is certainly different than these familiar ads, one of the major trends in guaranteed universal life (GUL) a few years back was a concept that ran along similar tracks known as Guaranteed Refund Options...