Editorials

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#388 | 2023 in Review

Looking back over a year’s worth of articles is always fun and gratifying. There were 44 articles published on The Life Product Review last year, pretty close to the one-per-week standard that I try to maintain, and all of them…

#345 | 2022 in Review

With 2022 in the rearview mirror, I thought I’d go back through the full list of articles and give a few current comments on the topic covered. Articles are listed chronologically. If a bunch of articles were on the same…

street corner reflecting in rearview mirror

Survey Responses & TLPR Update

Thanks to those of you who generously took the time to fill out the survey that I sent out earlier this week. The responses have been incredibly insightful. If you haven’t filled it out, please do (click here). Here’s what…

person dropping paper on box

#246 | The Architect Fallacy

Years ago, I was invited as a guest to a meeting of a distributor’s top agents to decide how to message the role of an insurance agent. The group was naturally drawn to the concept of the life insurance agent…

#234 | PacLife Reduces Caps, Again

PacLife announced this morning that they are reducing caps to 8.5% in September from 9.0% currently and 9.25% at the beginning of the year. My first instinct was to write a commentary on the rate action, but I kept having…

#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…

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…

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