Product Reviews

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#309 | Nationwide Advisory VUL

In the early 2000s, a little company in Louisville called Jefferson National began to make a serious splash in the annuity side of the business. Jefferson National – JeffNat – was focused exclusively on selling accumulation-oriented variable annuities with no…

#293 | John Hancock & Allianz Ride the Wave

If you’d asked any life insurer at the end of 2020 what the big story would be in 2021, they likely would have said the impact of AG 49-A on the Indexed UL market. The new regulation swept away much…

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#290 | The Game’s Afoot – PacLife Horizon IUL

This title is borrowed from a line in Star Trek IV: The Undiscovered Country. In the final battle sequence, the Enterprise is rushing to stop an assassin at a secret summit and is met in orbit by a cloaked Klingon…

#286 | Guardian Reprices Flagship L99 and L95 Whole Life

I've had several folks recently tell me offhandedly that they always get a kick out of the pictures that I post to my articles. The fact that this new TLPR website requires stock images was a bone of contention between…

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#282 | Penn Mutual Enters the Guaranteed VUL Space

A year ago, I wrote a series on Lincoln and Prudential’s Guaranteed VUL offerings that argued, essentially, that the pricing was unsustainable and a reckoning was coming. Nine months after that, I wrote a follow up piece about the fact…

#279 | MassMutual Whole Life 10 Pay

After watching a wave of updates to Universal Life products to illustrate the new Section 7702-2% rates, it was only a matter of time before one of the major Whole Life writers released an updated version. It also wasn’t hard…

#277 | Symetra Accumulator IUL 4.0 and the AI Strategies

For the life insurance industry, 2021 started off with a bang. Overnight, companies selling Universal Life suddenly found themselves incorrectly illustrating and administering tax limitations for every policy being sold as a result of changes to Section 7702 being passed…

#276 | North American Goes to (IUL) War with Builder Plus 3

By now, the strategy for optimizing Indexed UL illustrations under AG 49-A is quite clear and I wrote about it in great detail less than a month ago in #273 | The New IUL Illustration War. That article includes a…

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#272 | Lincoln MMA & Brighthouse SmartCare

Click here for the first part of the Lincoln MMA review. For a refresher – because it’s been a while – here’s how I closed it: "The biggest surprise of all, though, is that Lincoln didn’t come up with the…

#266 | Lincoln MoneyGuard Market Advantage Review – Part 1

Since starting this newsletter in 2012 (and then restarting it in 2017), I’ve made a conscious decision to avoid writing about so-called Linked Benefit products. The progenitor of the product type is Lincoln’s MoneyGuard, which is synonymous with the product…

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