Top
 

Retirement Tag

In today's market, not all couples are similar in age. Many pairs of clients with larger age differences are also interested in purchasing life insurance. When looking at survivorship policies, can we advise these couples in the same way we advise...

It's hard to know what illustrated rate is reasonable for an Indexed Universal Life product. Max rates use the caps and floors against historical data to determine a reasonable flat rate; however, it is easy to debate the applicability of the interest rate that results...

In the Indexed UL world, we tend to see a bright and sunny picture-typically very positive projections based on higher illustrated rates. Lately, this optimistic atmosphere has been further reinforced with the arrival of interest ...