For an industry with something like $5 trillion in assets, we sure do fly under the radar. But both Forbes and the Wall Street Journal recently picked up the same story – underperforming life insurance products. Great. Just what we wanted. Fortunately, the spin for both was pretty neutral. They pointed out that life insurance products are underperforming largely because interest rates have fallen for the last 30 years and life insurers rightly passed through the lower returns to policyholders. Clients who bought a “cheap” product when illustrated at 12% found out that they were underfunding a rather expensive product when rates fell to 4%.