Product Reviews

chevrolet el camino parked on the road

#332 | Ohio National Prestige Indexed Whole Life

A few months ago, I covered the filing and mechanics of Ohio National’s new Prestige Indexed Whole Life product in #326 | The New Ohio National’s New Product. If you haven't read that article, it's worth taking a few minutes…

#326 | Prestige 10 Pay – The New Ohio National’s New Product

Quick Take Despite recent layoffs in key field-facing positions and the punitive new open block dividend formula, Ohio National leadership is adamant about their desire to grow sales. It seems as though the first piece of the puzzle of how…

clear light bulb placed on chalkboard

#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…

#319 | Lincoln LifeGoals VUL

At this point, there’s broad recognition that there should be a natural fit between the tax properties and investment flexibility of variable insurance products, particularly Variable UL and Variable Annuities. But there’s also increasingly a broad recognition that a theoretical…

black and white dartboard

#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…

gray high rise buildings

#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…

a man surfing on sea waves

#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…

athletes running on track and field oval in grayscale photography

#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…

See More Articles