Product Reviews

#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…

#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…

grey jet plane

#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…

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