Commentary

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#342 | AG 49-B & The Next Phase of IUL

Quick Take AG 49-B is likely to be adopted in the next couple of weeks and implemented in March of 2023. The immediate effect will be dramatic - some accounts will see reductions in illustrated income as large as 50%.…

#336 | The Return of Guaranteed UL?

Quick Take It's tempting to think that rising rates will necessarily result in the return of cheap Guaranteed UL, but reality is a bit more complex. Cheap Guaranteed UL still exists because some companies remained willing to price under the…

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#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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#329 | AG 49-B Takes a Leap Forward

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

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#323 | The Real New Ohio National

Q2 Update - In Ohio National's Q2 statutory statement, they disclosed a $279 million dividend paid to the holding company owned by Constellation and undoubtedly fueled in part by Ohio National's increase in surplus after the sale of the participating…

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#321 | Midland National and the Legacy of Flat COIs

A subscriber reached out to tell me that a Midland National representative told him that the block referenced in this article was actually written by Clarica, which Midland acquired in 2003. This article is protected by copyright and the terms…

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#312 | The New Money Tipping Point

With rates making a decisive and sustained move upwards for the first time since 2019, we have to ask an uncomfortable question – at what point will life insurers begin to wall off in-force portfolios and offer new portfolios that…

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#311 | The Shifting Winds of AG 49-A

For the third time, the IUL Illustration Subgroup of the Life Actuarial Task Force (LATF) of the A Committee of the NAIC – yes, that’s really how the hierarchy goes – will take up the question of what to do…

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#308 | The New Ohio National

Almost a year ago to the day, Ohio National announced that it had agreed to be acquired by Constellation, an insurance holding company backed by two Canadian pension plans and spearheaded by the former CEO of Prosperity Life. The response…

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