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#259 | Section 7702 Q&A

The Section 7702 Christmas Miracle Update It’s been a whirlwind start to the year for the life insurance industry. Since publishing The Section 7702 Christmas Miracle on January 5th, it has amassed an unbelievable 16,000 reads – a testament to…

#258 | Allianz Showcase & The Future of Illustrations

When AG 49-A was solidified over the summer, there were rumblings in the industry about rogue premium financing vendors and distribution firms planning to create their own spreadsheets to run illustrations that would not have to conform to the new…

#257 | The Section 7702 Christmas Miracle

This is the closest thing to breaking news in our industry and, as such, it’s still very much evolving. Current updates to the post are at the very bottom. For all of the buzz and lead-up to the creation and…

#256 | Symetra’s Gambit – Follow Up

In late 2013, just before I closed down the first iteration of The Life Product Review and joined MetLife, I wrote an article entitled Symetra’s Gambit. The crux of the article was that Symetra was carving out marketshare by offering…

#255 | Chronic Illness Riders: Don’t Get Tangled Up in a Lawsuit

Bobby's Note:Over the years, I've been asked multiple times to cover so-called hybrid or linked-benefit life insurance products. These products are becoming incredibly popular in the market but, unfortunately, they're not my area of core expertise and therefore I have…

#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…

#253 | The End of the Asset Management Era

The typical narrative in the life insurance business is that falling interest rates are an unmitigated disaster for life insurance companies resulting in spread compression, unsupportable guarantees, expense pressure and general malaise. There’s certainly truth in the narrative – and…

#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…

#251 | The AG 49-A Loan Loophole

Back in June of this year, I wrote an article entitled “The Impacts of AG 49-A” that went through six points of how AG 49-A would impact illustrations. My 6th point was about policy loan arbitrage and the fact that,…

#250 | McGinnis vs. Everyone

Two weeks ago, Life Annuity Specialist, a news publication for life insurers, ran an article about a lawsuit filed in Texas (here) by a consumer against his agent, the agent’s brokerage firm and the life insurer. My ears always perk…