universal life insurance

IUL: One solution for two big problems

By Brian Bulakites | May 14, 2013

Lacking both life insurance and adequate retirement funds, how should baby boomers prioritize? With indexed universal life, they don’t have to.

Keeping universal life products attractive

By Bill Aguayo | February 28, 2013

Low interest rates are forcing insurance companies to get creative when it comes to UL product design.

Market update: Universal life insurance

By Roger L. Blease | October 30, 2012

An in-depth look at where universal life products stand in today's market, according to the latest Full Disclosure survey.

AG 38 Adopted: Check Your Life Reserves in the Rearview Mirror

By Elizabeth Festa | September 12, 2012

The joint committee led by Texas Insurance Commissioner Eleanor Kitzman has found success with a new approach to reserving for USLG and term life products with certain guarantees.

The ABCs of Life Insurance: U–Z

By Corey Dahl, Brian Anderson | August 31, 2012

From universal life to the zeal life insurance agents bring to their jobs, we've got easy explanations for all the end-of-alphabet terms your clients may struggle to understand.

PBR Valuation Manual Adopted by Lead NAIC Committee

By Elizabeth Festa | August 17, 2012

Hamm of North Dakota says PBR needs to get moving to get approved by state legislatures, noting it has been around longer than Moses has been clean-shaven.

The Return of Cash Value: A Tipping Point for the Life Industry

By Mike Tinsley | May 1, 2012

Permanent, cash value life insurance is reemerging as an attractive, well-balanced option for consumers — and that has many producers taking a fresh look at universal life.

The Return of Cash Value: A Tipping Point for the Life Industry

By Mike Tinsley | April 13, 2012

Permanent, cash value life insurance is reemerging as an attractive, well-balanced option for consumers — and that has many producers taking a fresh look at universal life.

Looking to Expand Your Portfolio? Consider Indexed Universal Life

By Derek Welch | February 1, 2012

The Perceived potential for growth has sales of Indexed Universal Life products growing faster than any other individual life product, according to Derek Welch, an attorney and director of the Advanced Consulting Group at Nationwide Financial.

Tailoring senior advice

By Diana Scheel, CLU, ChFC, FLMI, FLHC | February 1, 2012

What we call “seniors” actually includes multiple generations with a vast spectrum of historical experiences. The senior in her 80s will have lived through the Great Depression, which likely instilled in her frugal behavior. Meanwhile, the recently retired senior may be more optimistic and less likely to have experienced severe...