Product Analytics
#248 | The Price of a Term Conversion
When I have conversations with folks about term insurance, I always focus on term providing two distinct benefits – mortality protection and insurability protection. Mortality protection is the death benefit. That’s the low-cost, efficient and commoditized portion. Insurability protection is…
#240 | Assessing Sequence of Return Risk – Part 1
Everyone knows that variability of returns in both Variable UL and Indexed UL creates sequence of return risk, but what exactly does that mean and how does it actually translate into policy performance? As it turns out, sequence of return…
#236 | The Inevitable Rise of Structured Crediting
Where is the Indexed UL market going? If you really want to know, as usual, you have to look outside of life insurance and towards annuities. Since AXA (now Equitable) created the Structured Annuity in 2010, the market has grown…
#230 | Breaking Down Whole Life Dividends
This was a presentation I gave for the advisor coaching program put together by my good friend Joe Pombriant of Alacrity Financial. He graciously gave me the recording of the webinar to post on the site (he's a subscriber). His…
#227 | The New Pressure on Caps
It should come as little surprise that rates and caps continue to fall in Indexed UL products. Just one look at the IUL Benchmark Index will tell you why – caps are expensive (4.9% for a 10% cap) and yields…
#221 | Reconciling FIA and IUL
One of the curious things about the life insurance industry is how little crossover there is between the life insurance side and the annuity side in terms of advisors, brokerages and even life insurers. Most agents who do significant volume…
#213 | The Zero Credit Test
For the first time in a while, the specter of consecutive 0% credits in Indexed UL products looms as a result of the recent selloff in equities. But what does that mean for the long-term performance of the products? As…
#210 | The Opportunity in the Captastrophe
All indexed accounts may be created equally with general account yields and call options, but not all indexed account options are priced equally. Right now, there are screaming deals in non-cap indexed account options at life insurers that have been…
#207 | Indexed UL’s Honeymoon Decade
I was recently copied on an email chain amongst a bunch of high-end agents and industry commentators including a prominent, long-time and relentlessly self-promoting Indexed UL advocate. Most of the folks on the email chain are generally skeptical of Indexed…
#203 | Interpreting the IUL Benchmark Index
Since I started publishing the IUL Benchmark Index back in January of last year, a lot of folks have asked me how they should interpret the results. This is a very reasonable question that I should have thought to answer…
