Latest Content
#461 | The ECV Angle – Traits and Tradeoffs
One of the core elements of human psychology is that our perceptions are not reality – and yet we act as if they are. Behavioral economics was born out of the insight that people are not rational. We react to…
#460 | Policy Management with Cash Value Lines of Credit
The article is written below by Paul Hanley, who also penned Cash Value Loan Optimization in April of last year. Paul is a university professor and part-time insurance agent. I have never met anyone who has become a bigger nerd…
#459 | Rethinking Life Insurance for Income
Over the past 15 years, the life insurance industry has subtly shifted from being primarily concerned with delivering death benefit protection to being primarily concerned with providing a means to accumulate assets in a tax-controlled environment with certain return profiles.…
#458 | The Stories in Carrier 2025 Statutory Filings
Last week, LIBRA and TLPR announced a strategic partnership whereby we provide LIBRA with reviews for newly released products, access to certain TLPR articles and custom white papers on certain topics. Nothing changes for TLPR subscribers – other than that…
#457 | PacLife Admiral VUL 2 Review – Blending Evolved
AI Summary Full Article When I covered the release of PacLife Venture UL 2 back in October of last year (#442), I called it a “new era for blending at Pacific Life” and said that it was the “biggest product…
#456 | VUL Illustration Variance
TLPR UpdateFirst, the bad news. Dan Austin is departing TLPR to re-join OneAmerica, where he previously worked, to take (re-take?) his dream job. I'm excited for him and wish him the best.Now, the great news. Kasey Gammons, formerly the Director…
#455 | The Puzzle of Older Age Pricing
How old is too old to buy life insurance? Most carriers will issue policies until at least age 80, but a handful will issue them all the way up to age 90. John Hancock and MassMutual will even issue Preferred…
#454 | Rethinking the Role of Engineered Indices
Author's Note - This one is admittedly pretty wonky. Such is the nature of the topic. But it's worth the payoff at the end! Introduction On February 24th, a new subcommittee of the NAIC A Committee specifically formed to address…
#453 | Searching for Certainty in All the Wrong Places
Questions from astute readers answered after the article Ask people what they want their life insurance policy to be and they’ll probably say “cheap.” That’s understandable given the bombardment every day of commercials from P&C companies advocating for folks to…
#452 | Beyond Term: Everly TermVest+
Over the past few years, there has been a veritable flood of new entrants to the annuity market. Virtually all of them are running the same playbook – an alternative asset manager buys a dormant life insurer, infuses it with…
