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…
Credit: Warner Bros The more I’ve come to understand Final Expense insurance, the more I’ve come to see it as…
8/27/24 Update - I just received an email from a subscriber about another Reliastar policy with charge increases, this time…
If you were to put any random person in our industry up on stage and ask them to start explaining…
What happens after a private equity firm buys a life insurer? The first order of business almost always seems to…
When Prudential released the first iteration of Index Advantage UL (IAUL) in mid-2012, it was a massive validation of the…
Over the past couple of weeks, four new accumulation-oriented Indexed UL products hit the market in what is undoubtedly the…
When MassMutual rolled out Apex VUL in 2021, the name was unintentionally ironic. If you’re going to roll out a…
Over the past few weeks, two stalwarts of independent distribution – John Hancock and Pacific Life – have released new…
I’ve noticed that some things have changed since I’ve gotten older. A few rogue gray hairs are sprouting up over…
Looking back over a year’s worth of articles is always fun and gratifying. There were 44 articles published on The…
With 2022 in the rearview mirror, I thought I’d go back through the full list of articles and give a…
Thanks to those of you who generously took the time to fill out the survey that I sent out earlier…
About 3 weeks ago, the New York Department of Financial Services moved to place Columbian Mutual Life Insurance Company into…
In the pre-dawn hours of October 31st, 2018, you would have found me sitting in my chair with my computer…
Introduction I have to start this article with an admission. When I first saw the news about PHL Variable Insurance…
Writing insurance is a double-edged sword. One side of the blade are the risks covered by the insurance policies themselves…
Interview with Mike Pepe and Kris Beck of Proformex about the…
Listen Now Interview with Jon Mendelsohn, CEO and Founder of Ashar Group,…
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