Editorials

#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…

#141 | My Take on Indexed UL

Over the past few months, several of my friends in the industry have encouraged me to write an article that clearly, concisely and unambiguously states my position on all things Indexed UL. Although I write about Indexed UL all the…

#132 | 2018 Indexed UL WYSIWYG Award Winners

Modern Indexed UL products have upended the traditional Universal Life story. These days, Indexed UL products are more defined by their unique factors and formulas than by the basic shared mechanics of all Universal Life products. There is no longer…

#118 | Voya ICAR & The Indexed UL Illustration War

10/31/18 Update - Voya will no longer issue new policies effective 12/31/18. Also, I've been hearing that some people are reading this article as if I'm a big fan of ICAR - that is not the case. It is a…

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