Product Reviews
#369 | Brighthouse SmartGuard Plus
Quick Take There is no doubt that Brighthouse SmartGuard Plus is one of the most innovative new products to hit the market in a long time, blending the competitive guaranteed income of an annuity with the income tax advantages of…
#368 | Nationwide Flexes Its Muscles in the Hybrid Life/LTC Market. Again.
This article was written by Steve Cox, Head of Life and Hybrid Products at Life Innovators. Special thanks to Ramona Neal of The Living Benefit Review for her contributions as well. Over the last two plus decades, the joint last…
#356 | Northwestern Mutual Enters the 10 Pay Fray
Quick Take At first blush, Northwestern Mutual isn't a natural fit for the highly competitive and quickly growing 10 Pay Whole Life market. Illustrated performance in short pay products generally favors companies with high Dividend Interest Rates, yet Northwestern lags…
#343 | The Original IVUL – Equitable MSO II
Quick Take Equitable was first-to-market with Buffered crediting strategies in VUL with its 2010 release of the Market Stabilizer Option (MSO). A few weeks ago - on the same day that Prudential FlexGuard IVUL was released - Equitable launched a…
#341 | Prudential FlexGuard IVUL
Quick Take Prudential FlexGuard IVUL is the second (after Equitable MSO, which has been in market largely unchanged since 2010) of what will inevitably become a new category in the life insurance market, Variable UL products with subaccounts that offer…
#338 | New York Life Wealth Plus
Quick Take New York Life's new Secure Wealth Plus is a direct competitor to Mass Mutual and Guardian in the 2% 10 Pay Whole Life space - and it delivers the goods. First year liquidity is at the top of…
#337 | Protection UL 22 and The Allure of Alts
Quick Take Since 2011, John Hancock has successfully sold Protection UL as an ultra-cheap protection product fueled by a diversified portfolio of alternative long-duration assets, or ALDAs in Manulife's parlance. However, the impact of the ALDA returns on Protection UL…
#332 | Ohio National Prestige Indexed Whole Life
Quick Take Ohio National's new Prestige Indexed Whole Life appears to blend the best of both worlds - the guarantees of Whole Life with the upside performance potential of Indexed UL. But on closer inspection, the guarantees are weak and…
#326 | Prestige 10 Pay – The New Ohio National’s New Product
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…
#325 | Penn Mutual Bucks the Trend
Quick Take Despite the fact that the entire Indexed UL market seems to be flocking to engineered indices, Penn Mutual has made the decision to buck the trend. Its new Accumulation IUL sports a comprehensive lineup of S&P 500 crediting…
