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#414 | The Power of Cash Value Collateralized Lending

When it comes to collateralizing cash values, there are two primary use cases in the industry – policy loans and premium financing. In the case of a policy loan, the life insurer collateralizes the cash value to provide a cash loan with terms set by the life insurer. Life insurers…

Product Analytics

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#410 | The Challenge of Final Expense

Credit: Warner Bros The more I’ve come to understand Final Expense insurance, the more I’ve come to see it as…

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#408 | Reliastar Raises Base Charges

8/27/24 Update - I just received an email from a subscriber about another Reliastar policy with charge increases, this time…

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#407 | Beyond Term

If you were to put any random person in our industry up on stage and ask them to start explaining…

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#406 | American National Signature Protection IUL

What happens after a private equity firm buys a life insurer? The first order of business almost always seems to…

Product Reviews

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#412 | Prudential Momentum IUL

When Prudential released the first iteration of Index Advantage UL (IAUL) in mid-2012, it was a massive validation of the…

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#411 | New Accumulation IUL Releases

Over the past couple of weeks, four new accumulation-oriented Indexed UL products hit the market in what is undoubtedly the…

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#400 | MassMutual Apex VUL

When MassMutual rolled out Apex VUL in 2021, the name was unintentionally ironic. If you’re going to roll out a…

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#398 | Universal Life Outside the Lines

Over the past few weeks, two stalwarts of independent distribution – John Hancock and Pacific Life – have released new…

News and Editorials

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#399 | The Simple Case for Permanent Life Insurance

I’ve noticed that some things have changed since I’ve gotten older. A few rogue gray hairs are sprouting up over…

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#388 | 2023 in Review

Looking back over a year’s worth of articles is always fun and gratifying. There were 44 articles published on The…

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#345 | 2022 in Review

With 2022 in the rearview mirror, I thought I’d go back through the full list of articles and give a…

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Survey Responses & TLPR Update

Thanks to those of you who generously took the time to fill out the survey that I sent out earlier…

Industry Commentary

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#409 | Who Killed Columbian?

About 3 weeks ago, the New York Department of Financial Services moved to place Columbian Mutual Life Insurance Company into…

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#405 | Lincoln VULone and the End of an Era

In the pre-dawn hours of October 31st, 2018, you would have found me sitting in my chair with my computer…

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#404 | Who Killed PHL Variable?

Introduction I have to start this article with an admission. When I first saw the news about PHL Variable Insurance…

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#403 | The Double Edged Sword – Assets

Writing insurance is a double-edged sword. One side of the blade are the risks covered by the insurance policies themselves…

Episode 21
December 14, 2020

Episode 21

Interview with Mike Pepe and Kris Beck of Proformex about the…

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Episode 20
September 21, 2020

Episode 20

Interview with Jon Mendelsohn, CEO and Founder of Ashar Group,…

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Episode 19
September 7, 2020

Episode 19

Interview with Jim Benson, former CEO of John Hancock, CEO…

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Episode 18
August 24, 2020

Episode 18

Interview with Dick Weber of Ethical Edge Consulting on what…

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