News & Editorials

#225 | Making Sense of MassMutual’s Whole Life Price Increase

A couple of weeks ago, MassMutual announced that it would be increasing premiums on its Legacy 10 and Legacy 12 Pay products by about 10%, on average. The announcement went on to say that: Guaranteed cash values will not changeIllustrated…

#217 | Nothing is Real and Everything is Possible

This July will mark my 13th year in the life insurance industry and, although it’s not the nice, round number that usually gets people thinking about the passage of time, for whatever reason I’ve found myself stopping to think about…

#216 | The Lesson of Theranos and Madoff

Over the past couple of months, I’ve knocked out 4 books that were equal parts fascinating and disturbing. They are windows into the capacity for humans to deceive and, even more importantly, the capacity for humans to believe – even…

#215 | The Fable of the Frog

What’s the best way to boil a frog? According to the fable, a frog tossed into scalding water will immediately leap out of the pan. But a frog placed into comfortably warm water that is gradually heated will eventually be…

#197 | PacLife Lowers Caps and Increases Illustrated Rates

I admit – this title is somewhat misleading. Yes, Pacific Life dropped caps across all of its Indexed UL products, but it only raised the illustrated rate for one particular account option in an indexed crediting account of its new…

#194 | 2020 Whole Life Dividend Rate Recap

‘Tis the season for the much-anticipated, much-speculated, much-hyped dividend interest rate announcements from mutual companies. The headline is that not a whole lot happened this year in terms of dividend rate changes. New York Life, Northwestern Mutual and PennMutual held…

#193 | Nationwide’s Cap Change

Last week, Nationwide announced that it would be dropping caps on many of the S&P 500 accounts in its street Indexed UL products both past and present, including the standard point-to-point capped accounts that determine the illustrated rates for its…

James Christie | What do you do?

I love this question. I had a pretty good answer when I worked at my previous employer. But now that I am in business for myself with a number of ventures going on at the moment, this has become a…

James Christie | Playing a Game of Risk: The IUL War Wages on

Risk is a strategy game of diplomacy, conflict, and conquest. Well two of those apply to our topic of discussion today.  What is going on right now in the IUL marketplace is a war, there isn’t a better word, it’s…

#171 | Lincoln Files Guaranteed UL Buyout Offers

A little over a year ago, ITM/21st reported that Lincoln Financial was making buyout offers to Survivorship Guaranteed UL policyholders in the form of an Enhanced Cash Surrender Value. Later that year, the Life Insurance Settlement Association (LISA) challenged the…

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