Product Analytics

egg power fear hammer

#339 | The New Breed of Protection-Oriented IUL

Quick Take Historically, there was a clear distinction between protection-oriented and accumulation-oriented Universal Life products. The latter tended to have higher liquidity but also higher long-term policy charges, particularly COIs, whereas the former tended to have lower liquidity but also…

#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…

black and silver dslr lens

#330 | IUL Cap Divergence

This article is protected by copyright and the terms of this website. If you share it with non-subscribers without written permission from The Life Product Review, you will lose your subscription without a refund and will receive an invoice for…

photo of pathway surrounded by fir trees

#328 | Rising Rates and Section 7702

This article is protected by copyright and the terms of this website. If you share it with non-subscribers without written permission from The Life Product Review, you will lose your subscription without a refund and will receive an invoice for…

#324 | The True Cost of Engineered Indices

Quick Take For all of their real, purported and back-tested benefits, engineered indices come at a cost in the form of fees that aren’t charged on standard indices such as the S&P 500. These fees generally take three forms –…

man carrying barbell plate outdoors

#322 | Crossover

Earlier this morning, I sent out an email to all past and present subscribers to The Life Product Review asking for candid feedback on the site and how it can improve. The responses so far have been incredibly helpful –…

first perspective photography of hanging bridge

#320 | Fait Accompli – Prudential and Equitable File Registered Index-Linked ULs

Note: This post uses the term “structured” to describe index-linked crediting strategies with some level of index-linked downside risk, but the specific terms for these types of strategies vary greatly within the industry. The standard industry nomenclature for annuities with…

silver diamond wallpaper

#318 | The Next Wave of Whole Life

When the changes to 7702 came into effect in 2021, probably the only thing that was immediately obvious to everyone was that every single Whole Life product in the market would have to be repriced before the beginning of 2022.…

aerial view of people surfing on big waves

#317 | Lincoln drops LifeGuarantee UL

Around this time last year, I wrote in #271 | Cracks Emerge in the Guaranteed VUL Market that the Guaranteed UL market was ending, as T.S. Eliot famously said, “not with a bang but a whimper.” In 2018, Guaranteed UL…

yellow and green led light

#316 | Follow Up to The Rising Tide of Accumulation VUL

Last weeks article generated probably more questions and comments than I’ve ever gotten. So, in response, I figured it’d be a good idea to cover some of the main topics that folks send my way in a follow up post.…

selective focus photography of a mailbox
See More Articles