Burning The ‘Midnight’ Oil: Indexed UL Account Options – More Than Just Vanilla
Indexed Universal Life (IUL) is the seemingly hot life insurance product with sales increasing year after year. A slight drop in 2016 Q2 sales was just the second time IUL premium has dropped in a quarter over the last 10 years, according to LIMRA Insurance Research, and it attributed much of the decline to the recent illustration regulation, Actuarial Guideline 49, which went into effect in September 2015.
Burning The ‘Midnight’ Oil: Protecting Against Rising Interest Rates
We have been in the ideal environment over the last 5 years when it comes to Premium Finance transactions, especially with IUL. Loan rates have stayed low and the market has been experiencing positive returns.
Burning The ‘Midnight’ Oil: A Decade of Indexed UL Performance
“Upside potential with downside protection” – we’ve all heard this phrase when it comes to trying to offer a concise benefit of Indexed Universal Life (IUL). As we all know (and AG49 can attest to), comparing IUL products can be a tremendously difficult task, especially with insurance companies taking different marketing approaches when building their product, e.g. higher initial cap vs. higher internal charges, etc.