Product Reviews

#212 | John Hancock Protection IUL 20

John Hancock’s nearly uninterrupted rise to prominence in the Indexed UL space has always been a two-front war: Protection IUL and Accumulation IUL. As is always the case with John Hancock, both products are fine-tuned for dominance in their particular…

#209 | Global Atlantic Global Accumulator IUL

4/24/20 Update - Global Atlantic has reduced caps across the board, reducing Lifetime Builder Elite 2020's cap from 13.5% to 12.5% and Global Accumulator IUL's cap from 11.5% to 10.5%. The story and review below still apply. Global Atlantic has…

#204 | John Hancock Protection UL 19

It feels a bit cavalier to relegate a review of the one of the most complex and least transparent products in the industry to a Quick Take, but the reason is because the 2019 update to John Hancock’s long-standing Protection…

#202 | John Hancock Accumulation IUL 19 – Part 3

As discussed in the last post, John Hancock increased the policy charges in AIUL19 but held ground on the caps and illustrated rates for the product. But they did boost another benefit of the policy as well – the nearly-hidden…

#200 | John Hancock Accumulation IUL 19 – Part 2

As discussed in the last post, every life insurance product is like a multivariate equation made up of policy charges and credits. John Hancock Accumulation IUL 2019 is no different except that the mechanics of its policy charges and credits…

#199 | John Hancock Accumulation IUL 19 – Part 1

In my Intro to Econometrics class in college, one of our first projects was to gather our own data on a particular topic of interest, plug it into SPSS, match the data with a statistically-significant least squares equation and interpret…

#198 | Protective Indexed Choice UL 2019

There are a lot of things that I think are problematic about using Indexed UL for death benefit protection. So many, in fact, that I wrote an entire series about them. But the crux of the problem is simple probabilities.…

#196 | Securian Eclipse Accumulation IUL

Last year, I wrote an article about Securian’s decision to drop their S&P 500 point-to-point cap to 10.5%, which is a long fall from the 17% cap their Eclipse IUL sported when it was released in 2008. Read the article…

James Christie | Review of Lincoln MoneyGuard III – The good, the bad, the ugly.

On September 16th 2019 Lincoln Financial Group launched a new version of their industry leading linked benefit life insurance product.  We are all familiar with the MoneyGuard brand and the baseline structure of this product recently had its 25th anniversary.…

#191 | PennMutual Diversified Advantage VUL

In the wake of the recent regulatory inquiry into multipliers and modifications that may need to be made to AG49 to “deal with” them, life insurers have started to explore what the next generation of Indexed UL will look like.…

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