Bobby Samuelson

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#404 | Who Killed PHL Variable?

Introduction I have to start this article with an admission. When I first saw the news about PHL Variable Insurance Company (PHLVIC) being put under administration and then rehabilitation by the State of Connecticut, I didn’t think much of it.…

#403 | The Double Edged Sword – Assets

Writing insurance is a double-edged sword. One side of the blade are the risks covered by the insurance policies themselves – the liability structure. The other side of the blade are the assets that support those liabilities. Successfully managing an…

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#402 | The Long Tail of Portfolio Yields

Ever since interest rates started to increase in 2022, there has been much speculation about how long it would take to see material increases in carrier portfolio yields. The simple answer is that life insurers have an average maturity in…

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#401 | Assurance IQ and the End of an Era

Prudential’s first quarter earnings release held a simultaneously shocking and yet completely predictable announcement – Assurance IQ is being formally shut down. It’s completely predictable because Prudential had already booked hundreds of millions in operating losses on Assurance IQ, pivoted…

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#400 | MassMutual Apex VUL

When MassMutual rolled out Apex VUL in 2021, the name was unintentionally ironic. If you’re going to roll out a product and call it “apex,” it better be good. Apex isn’t an aspirational term. It’s a descriptor. A product called…

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#399 | The Simple Case for Permanent Life Insurance

I’ve noticed that some things have changed since I’ve gotten older. A few rogue gray hairs are sprouting up over my ears. My joints pop a little bit when I get out of bed in the morning. I feel nostalgic…

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#398 | Universal Life Outside the Lines

Over the past few weeks, two stalwarts of independent distribution – John Hancock and Pacific Life – have released new versions of their respective best-selling Indexed UL products. At first blush, the two products don’t have much in common. John…

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#397 | 2023 Engineered Index Observations

Quick Take Engineered indices have had a tough run over the past four years, but the silver lining is that we now have enough real-world data on performance to draw some general rules of thumb. That's good news for practitioners…

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#396 | Lincoln’s IUL Challenge

Full Article Lincoln’s history in Indexed UL is an interesting one. Lincoln was one of the first companies to introduce Indexed UL, starting with LifeElements in 2007. Since then, Lincoln has followed basically every fad or phase in Indexed UL…

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#395 | Nationwide High Par 5

Full Article It’s been an interesting run for Nationwide New Heights IUL, which theoretically piggybacks on the massive success of Nationwide’s New Heights FIA and was built in partnership with Annexus. New Heights IUL was and continues to be identical…

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