Month: October 2012
#23 | Guarantees, Trust & Transparency
Life insurance companies have a long history of overpromising and underdelivering for both just and dishonorable reasons. Carriers justly reduced crediting rates on UL policies while interest rates dropped for 30 years straight. Carriers dishonorably condoned practices like vanishing premium…
#22 | Portfolio Crediting Physics
[et_pb_section fb_built="1" _builder_version="3.0.90" custom_padding="0px|20px|15px|20px"][et_pb_row custom_padding="15px|0px|27px|0px" _builder_version="3.0.47" background_size="initial" background_position="top_left" background_repeat="repeat"][et_pb_column type="4_4" _builder_version="3.0.47" parallax="off" parallax_method="on"][et_pb_text _builder_version="3.0.91" header_font="||||||||" header_2_font="||||||||" background_size="initial" background_position="top_left" background_repeat="repeat"]Everyone knows that the probability of a life insurance policy performing exactly as illustrated is zero – and rightfully so. A life…
#21 | Predictive Analytics
If there’s any part of the life insurance transaction that preserves the status quo, it’s underwriting. Medical underwriting hasn’t changed in a long time because the fundamental underlying theories haven’t either. Life insurance is a mortality based instrument. Therefore, it…
#20 | AG38 Q&A
[et_pb_section bb_built="1" _builder_version="3.0.90" custom_padding="0px|20px|15px|20px"][et_pb_row custom_padding="15px|0px|27px|0px" _builder_version="3.0.47" background_size="initial" background_position="top_left" background_repeat="repeat"][et_pb_column type="4_4"][et_pb_text _builder_version="3.0.100" background_size="initial" background_position="top_left" background_repeat="repeat" background_layout="light"] Marketing groups, carriers and even regulators are mail-bombing producers with pieces related to AG 38 and its implications. Some, like Crump’s, are definitely worth reading.…
