Month: October 2021
#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 likely would have said the impact of AG 49-A on the Indexed UL market. The new regulation swept away much…
#292 | Dispatches from Annuityland – Part 1
In my experience, most folks carry a passport from one of two countries – life insurance or annuities. These passports give the holder access to the unique ecosystem built around the product. Imagine someone with an annuity passport walking into…
#291 | Rethinking IUL Renewal Caps
One of the most common criticisms of Indexed UL is that it’s the ultimate “trust me” product. No other product relies on as many opaque or complex assumptions as Indexed UL for both its real-world and illustrated performance. Like any…
#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 Enterprise is rushing to stop an assassin at a secret summit and is met in orbit by a cloaked Klingon…
