Guaranteed variable universal life (GVUL) and traditional guaranteed universal life (GUL) products can seem like very different vehicles. After all, they look and feel like very different sets of wheels with their own individual styles, target audiences, and requirements, but under the hood, the same...
In March we read about the Federal Funds rate dropping to .25%. About that same time, we started seeing carriers announce many changes to their product portfolios. So, the obvious question is, what is the relationship, if any, between the two?...
It’s the end of the decade, and we thought it appropriate to wistfully look back to see where the ‘twenty-teens’ have brought us. Let’s first remember that when those years started, our industry was recovering from the 2008 financial crisis. LifeTrends launched in 2011, just...
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...