Guaranteed variable universal life (GVUL) has been in the market for some time now, and these products are certainly worth another look, especially given increased partner interest and feedback on the topic.Â
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Interest Rate Interplay: A Chief Actuaryâs View
What is the relationship between the Federal Funds rate and carriers announcing changes to their product portfolios? Learn more here.
Looking Back on the âTwenty-Teensâ â Decade in Review
Let’s look back on where the âtwenty-teensâ brought us. With regulation changes and beyond, weâve seen some movements on all life product lines in the past nine years.
Early Premium
While universal life policies are touted for having more âflexibilityâ than whole life, the timing of payments is still important for ensuring that the policy doesnât come across any hitches. Changing up the premium pattern can be a dangerous game and might affect the integrity of the product being sold.
Guaranteed Refund Option Resurgence
Guaranteed Refund Options have returned to the life insurance industry. Find out why and how this may affect your clientâs life insurance policy.
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.