Product Reviews

#254 | AG 49-A and Allianz Life Pro+ Advantage

When it comes to product, Allianz plays a decidedly different game than many of its competitors. Rather than having a bevy of products geared towards virtually every possible application, Allianz offers just a single Indexed UL that has been gradually…

#252 | AG 49-A & Lincoln Wealth Accumulate 2 IUL

Of the Four Horsemen of the leveraged Indexed UL market, two have already revealed their post AG 49-A product changes. PacLife has released PDX 2 2020, a product that exemplifies the strange contradictions of AG 49-A when followed to the…

#245 | AG 49-A and PacLife PDX 2

Pacific Life has been at the center of the controversy surrounding leveraged Indexed UL products, whether they particularly meant to be or not. The original PDX might have had copious amounts of complexity and illustrated leverage and thrown fuel onto…

#244 | AG 49-A & John Hancock Accumulation IUL 20

Slowly but surely, the AG 49-A landscape is beginning to show itself and a few things are becoming very clear. The illustration restrictions introduced by AG 49-A certainly have teeth. Multipliers and buy-up caps have reduced performance relative to AG…

#235 | Protective Lifetime Assurance UL Review

Nostalgia sells. Ever since the smash success and cultural phenomenon of the VW New Beetle, an otherwise silly and unremarkable car except for what it represented, car manufacturers have been remaking the classics with less than subtle nods to nostalgia…

#233 | Lincoln VULone and Prudential VUL Protector Review – Part 4

In some ways, the question of whether or not it’s reasonable to rely on separate account performance to bail out the guarantees in Guaranteed VUL is as simple as the head of product at Lincoln put it to me back…

#232 | Lincoln AssetEdge VUL 2020 Review

If PennMutual Diversified Advantage VUL was the opening salvo of leveraged indexed accounts in variable products, then Lincoln AssetEdge VUL 2020 (AEVUL) is the first offensive. Lincoln’s Wealth Accumulate IUL 2019 was one of the most aggressively leveraged and illustrated…

#231 | Lincoln VULone and Prudential VUL Protector Review – Part 3

The way I was planning to close out this series is not the way I’m actually going to do it. Yesterday, Prudential had calls with its key distribution partners alerting them to the fact that it is indefinitely suspending sales…

#228 | Lincoln VULone & Prudential VUL Protector Review – Part 2

Why would these two products – Prudential Protector VUL and Lincoln VULone – have such different cash value profiles? If you’re thinking about Guaranteed VUL as if it was a Guaranteed UL, this doesn’t make a lot of sense. Everyone…

#226 | Lincoln VULone & Prudential VUL Protector Review – Part 1

Over the past decade, the prophesies about the imminent collapse of the Guaranteed UL market have mostly proven to be true. It is but a shadow of what it was in the past. Guaranteed UL at its peak accounted for…

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