Product Reviews

grey jet plane

#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…

#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…

#244 | AG 49-A & John Hancock Accumulation IUL 20

Slowly but surely, the AG 49-A landscape is beginning to show itself and a few things are becoming very clear. The illustration restrictions introduced by AG 49-A certainly have teeth. Multipliers and buy-up caps have reduced performance relative to AG…

#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…

See More Articles