Product Reviews

#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…

#264 | Lincoln’s MoneyGuard Market Advantage

As shared in December, Ramona Neal independently publishes data and articles about Hybrid products and LTC/Chronic Illness riders on her website, Living Benefit Review, https://livingbenefitreview.com. She has graciously offered to publish one of her articles every quarter on The Life…

#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…

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