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#315 | The Rising Tide of Accumulation VUL

If you were to look at the industry press releases about 2021 sales, you’d probably pick up one big storyline – both Whole Life and Indexed UL had gangbuster years, each notching 20% growth. Indexed UL saw $600M in increased sales in 2021 to $3.5B, but the growth was uneven,…

Product Analytics

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#315 | The Rising Tide of Accumulation VUL

If you were to look at the industry press releases about 2021 sales, you’d probably pick up one big storyline…

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#314 | Engineered Index 5 Year Performance

For most folks in the life insurance industry, it probably feels as though the phenomenon of non-standard indices in Indexed…

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#310 | The Proprietary Index Duration Bomb

The conventional wisdom, at the moment, is that bonds are garbage. In a rising rate environment, bonds are set to…

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#307 | The New Indexed UL Narratives – Part 2

The first two narratives dealt with the narrative for the product generically, but these next two narratives deal with specific…

Product Reviews

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#309 | Nationwide Advisory VUL

In the early 2000s, a little company in Louisville called Jefferson National began to make a serious splash in the…

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#293 | John Hancock & Allianz Ride the Wave

If you’d asked any life insurer at the end of 2020 what the big story would be in 2021, they…

#290 | The Game’s Afoot – PacLife Horizon IUL

This title is borrowed from a line in Star Trek IV: The Undiscovered Country. In the final battle sequence, the…

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#286 | Guardian Reprices Flagship L99 and L95 Whole Life

I’ve had several folks recently tell me offhandedly that they always get a kick out of the pictures that I…

News and Editorials

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#246 | The Architect Fallacy

Years ago, I was invited as a guest to a meeting of a distributor’s top agents to decide how to…

#242 | Prudential Files a VUL Protector Reprice

At the end of a recent 4-part article series on the two products with a duopoly on the Guaranteed VUL…

#239 | Filed: PacLife PDX Class Action Lawsuit

I’ve uploaded the lawsuit and you can read it by clicking here. While working at MetLife, I was struck by…

#234 | PacLife Reduces Caps, Again

PacLife announced this morning that they are reducing caps to 8.5% in September from 9.0% currently and 9.25% at the…

Industry Commentary

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#308 | The New Ohio National

Almost a year ago to the day, Ohio National announced that it had agreed to be acquired by Constellation, an…

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#303 | Consolidated Distribution, Proprietary Products

I want to acknowledge that much of the information from this article comes from very helpful third-party sources. This topic…

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#302 | An Imminent Mortality Disaster?

At the end of 2021, Scott Davidson, CEO of OneAmerica, was on a virtual Indiana Chamber of Commerce news conference…

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#301 | The Rise of Defined Outcome Funds

Since the creation of indexed insurance products in the mid-1990s, the core value proposition has always been index-linked downside protection…

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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