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#348 | The Next Front in the IUL Illustration War?

Quick Take In each round of the past Indexed UL regulation, the seeds of the next round were already in the ground before the final language was even adopted. The same is true for the forthcoming revisions to AG 49-A,…

#347 | The Other Kind of COI Lawsuit

Quick Take When most people think about lawsuits for Cost of Insurance rates, they're thinking about situations where life insurers increased COI rates. But what about a situation where a life insurer didn't decrease COI rates even though their mortality…

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#346 | Transamerica is Back (in Brokerage)

Quick Take After effectively burning the ships in 2015, the new-and-improved Transamerica is now making a concerted effort to get back into the independent brokerage channel. The tip of the spear is its new Indexed UL product, Freedom Choice IUL.…

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#345 | 2022 in Review

With 2022 in the rearview mirror, I thought I’d go back through the full list of articles and give a few current comments on the topic covered. Articles are listed chronologically. If a bunch of articles were on the same…

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#344 | Zurich North America Exits Indexed UL

Quick Take Zurich North America has decided to shut off new sales for its Indexed UL and Term, the latest twist in the longer-than-you-think and stranger-than-you-think story of Zurich's forays into the US life insurance market. For the past 12…

#343 | The Original IVUL – Equitable MSO II

Quick Take Equitable was first-to-market with Buffered crediting strategies in VUL with its 2010 release of the Market Stabilizer Option (MSO). A few weeks ago - on the same day that Prudential FlexGuard IVUL was released - Equitable launched a…

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Guest Article – David Lewis on IBC

I get lots of emails from subscribers - but no one emails me more than David Lewis, a "rogue agent" based a few hours up the road from me outside of Raleigh. Over the years, I've come to appreciate David's…

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#342 | AG 49-B & The Next Phase of IUL

Quick Take AG 49-B is likely to be adopted in the next couple of weeks and implemented in March of 2023. The immediate effect will be dramatic - some accounts will see reductions in illustrated income as large as 50%.…

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#341 | Prudential FlexGuard IVUL

Quick Take Prudential FlexGuard IVUL is the second (after Equitable MSO, which has been in market largely unchanged since 2010) of what will inevitably become a new category in the life insurance market, Variable UL products with subaccounts that offer…

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#340 | The Infinite Banking Concept

Quick Take The Infinite Banking Concept (IBC) has attracted something of a cult following for its quasi-libertarian branding and purported financial benefits. The core idea behind IBC is sound - using policy loans from a Whole Life policy is a…

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