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#211 | The Emerging Credit Event

Although most of the attention in the media has focused on the impact of the response to COVID-19 on equities, the proper functioning and pricing of credit is far more important for life insurers. The last two weeks have seen…

#164 | Permanent Life Insurance and Future Capital

If liquid capital is cash sitting in your account ready to deploy at your discretion, then contingent capital is cash that arrives because of a specific triggering event. Borrowing liquid capital has a discrete cost in the form of an…

#152 | Lincoln WealthAccumulate IUL 2019 – Part 4

At first blush, it might seem that all of Lincoln’s creativity was poured exclusively into increasing leverage and illustrated performance in WealthAccumulate IUL 2019 and that the risk-offset feature, the Return of Premium Rider, is quite straightforward. That’s true in…

#65 | Structured Annuities – Part 2

Three incumbents make up the Structured Annuity space today and I’ll walk through each one of them in detail over the next few posts. All told, the market today is probably in the range of $8B in deposits, with AXA…

#3 | Private Placement Life Insurance

[et_pb_section fb_built="1" _builder_version="3.0.90" custom_padding="0px|20px|15px|20px"][et_pb_row custom_padding="15px|0px|27px|0px" _builder_version="3.0.47" background_size="initial" background_position="top_left" background_repeat="repeat"][et_pb_column type="4_4" _builder_version="3.0.47" parallax="off" parallax_method="on"][et_pb_text _builder_version="3.0.91" header_font="||||||||" header_2_font="||||||||" background_size="initial" background_position="top_left" background_repeat="repeat"]One of the curiosities of life insurance is that the products remain largely the same no matter the size of the transaction.…