Bobby Samuelson

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#334 | Whole Life Through the Lens of a UL Believer

For the past 3 weeks, I’ve been doing a weekly webinar for AIN* that Jeff Reed, AIN’s maestro of content, entitled “Whole Life Through the Lens of a UL Believer.” The title is a nod to the path of my…

#333 | Mid-Year Statutory Results Round-up

Quick Take As tumultuous as the economic environment has been this year, life insurers have shown a surprising level of resiliency. Aggregate surplus across the 18 life insurers in the sample is down just 1.8%, with the Big 4 mutuals…

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#332 | Ohio National Prestige Indexed Whole Life

A few months ago, I covered the filing and mechanics of Ohio National’s new Prestige Indexed Whole Life product in #326 | The New Ohio National’s New Product. If you haven't read that article, it's worth taking a few minutes…

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#331 | Cue the Premium Financing Lawsuits

Quick Take What does the recent spate of lawsuits on premium financed IUL tell us? In my view, five main things - choose your premium financing specialist wisely, absurd assurances about performance are a predictor of future problems, make sure…

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#330 | IUL Cap Divergence

I've made an update to #323 | The Real New Ohio National to reflect their Q2 statutory statement. Quick Take For years, life insurance agents have used the S&P 500 point-to-point Cap as the barometer of the underlying economics of…

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#329 | AG 49-B Takes a Leap Forward

Quick Take The glaring loophole in AG 49-A that allows life insurers to augment illustrated performance of Indexed UL products by combining fixed interest bonuses with engineered indices almost guaranteed that there would be a follow-up regulation, which I've pre-emptively…

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#328 | Rising Rates and Section 7702

I don’t think it’s an overstatement to say that the biggest shock in the life insurance industry in the past decade was the Section 7702 rate change that came into effect at the beginning of 2021. It was both swift…

#327 | The Making of a Juggernaut – Integrity buys Annexus

Quick Take Integrity buying Annexus was the acquisition heard 'round the insurance industry. The immediate prediction was that Integrity plans to use Annexus to build proprietary products for Integrity. While that may be true, I think it misses a finer…

#326 | Prestige 10 Pay – The New Ohio National’s New Product

Quick Take Despite recent layoffs in key field-facing positions and the punitive new open block dividend formula, Ohio National leadership is adamant about their desire to grow sales. It seems as though the first piece of the puzzle of how…

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#325 | Penn Mutual Bucks the Trend

Quick Take Despite the fact that the entire Indexed UL market seems to be flocking to engineered indices, Penn Mutual has made the decision to buck the trend. Its new Accumulation IUL sports a comprehensive lineup of S&P 500 crediting…

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