Product Reviews

#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…

#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…

See More Articles