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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 versions of their respective best-selling Indexed UL products. At first blush, the two products don’t have much in common. John Hancock’s Protection IUL series is built to deliver ultra-low illustrated…

Product Analytics

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#396 | Lincoln’s IUL Challenge

Full Article Lincoln’s history in Indexed UL is an interesting one. Lincoln was one of the first companies to introduce…

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#391 | The VUL Fund Divide

Over the past couple of weeks, both Penn Mutual and Prudential have released updated versions of their VUL policies. The…

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#390 | Pacific Life Turns the Tide

This week, Pacific Life announced that it’s going to do something that it hasn’t done since February of 2011 –…

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#386 | A Shift in Guaranteed VUL

What’s the difference between a Guaranteed UL and a Guaranteed VUL? In theory, the only difference should be that GUL…

Product Reviews

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stack of carton boxes for parcels

#398 | Universal Life Outside the Lines

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

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#395 | Nationwide High Par 5

Full Article It’s been an interesting run for Nationwide New Heights IUL, which theoretically piggybacks on the massive success of…

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#394 | The Curious Case of the MassMutual 8 Pay

One of the most obvious impacts of the change to the Section 7702 interest rates implemented at the beginning of…

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#369 | Brighthouse SmartGuard Plus

Quick Take There is no doubt that Brighthouse SmartGuard Plus is one of the most innovative new products to hit…

News and Editorials

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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…

#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…

Industry Commentary

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#393 | The Other IUL Market

Back in June of last year, I published #365 | The Other Whole Life Marketabout the stunning rise of Final…

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#392 | The Crown Jewel

2/13/24 Update – An astute reader shot me a note with a couple of additional comments with considering. First, he…

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#384 | Global Atlantic Axes In-Force Rates

Ask anyone who is fundamentally skeptical about Indexed UL why they feel that way and, invariably, they’ll bring up the…

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# 383 | Mid-Year Insurer Financials Observations

To say that 2023 has been a turbulent year in the financial markets would be an understatement – but that…

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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