Bobby Samuelson

#258 | Allianz Showcase & The Future of Illustrations

When AG 49-A was solidified over the summer, there were rumblings in the industry about rogue premium financing vendors and distribution firms planning to create their own spreadsheets to run illustrations that would not have to conform to the new…

#257 | The Section 7702 Christmas Miracle

This is the closest thing to breaking news in our industry and, as such, it’s still very much evolving. Current updates to the post are at the very bottom. For all of the buzz and lead-up to the creation and…

#256 | Symetra’s Gambit – Follow Up

In late 2013, just before I closed down the first iteration of The Life Product Review and joined MetLife, I wrote an article entitled Symetra’s Gambit. The crux of the article was that Symetra was carving out marketshare by offering…

#254 | AG 49-A and Allianz Life Pro+ Advantage

When it comes to product, Allianz plays a decidedly different game than many of its competitors. Rather than having a bevy of products geared towards virtually every possible application, Allianz offers just a single Indexed UL that has been gradually…

#253 | The End of the Asset Management Era

The typical narrative in the life insurance business is that falling interest rates are an unmitigated disaster for life insurance companies resulting in spread compression, unsupportable guarantees, expense pressure and general malaise. There’s certainly truth in the narrative – and…

#252 | AG 49-A & Lincoln Wealth Accumulate 2 IUL

Of the Four Horsemen of the leveraged Indexed UL market, two have already revealed their post AG 49-A product changes. PacLife has released PDX 2 2020, a product that exemplifies the strange contradictions of AG 49-A when followed to the…

#251 | The AG 49-A Loan Loophole

Back in June of this year, I wrote an article entitled “The Impacts of AG 49-A” that went through six points of how AG 49-A would impact illustrations. My 6th point was about policy loan arbitrage and the fact that,…

#250 | McGinnis vs. Everyone

Two weeks ago, Life Annuity Specialist, a news publication for life insurers, ran an article about a lawsuit filed in Texas (here) by a consumer against his agent, the agent’s brokerage firm and the life insurer. My ears always perk…

#249 | AIG Exits Life & Retirement

Yesterday, AIG announced that it has made the strategic decision to exit its Life & Retirement division in order to create two distinct “market-leading” companies with AIG itself focusing exclusively on its P&C business. The details of the separation have…

#248 | The Price of a Term Conversion

When I have conversations with folks about term insurance, I always focus on term providing two distinct benefits – mortality protection and insurability protection. Mortality protection is the death benefit. That’s the low-cost, efficient and commoditized portion. Insurability protection is…

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