universal life insurance products

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  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.

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  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.

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  New York Actuaries Chime in on Net Premium Reserving

  By Elizabeth Festa  |  May 24, 2012

  The NAIC’s Life Actuarial Task Force debated net reserving methodology changes proposed by the American Council of Life Insurers for UL products with secondary guarantees.

• Universal Life Insurance Premiums May Rise Under NAIC Approach

  By William H. Byrnes, Esq., and Robert Bloink, Esq., LL.M.  |  March 14, 2012

  Premium levels on certain universal life with secondary guarantee and term universal life products may be rising.

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  AG 38: S.C. Contends Proposed 'Framework' Doesn't Comply with SVL for In-Force Business

  By Elizabeth Festa  |  February 6, 2012

  Alaska also defends LATF statement to the NAIC Joint Working Group, in a defense of its reserving concerns for USLG and term UL products in the face of a compromise commissioner-led, industry-approved "framework" concept. Also, tensions between the role of the NAIC's life actuary group's voice and commissioner-level control of...

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  Key NAIC Task Force Pondering Life Insurers' Reserve Methodology

  By Elizabeth Festa  |  November 1, 2011

  Some regulators are alarmed by a universal life product's design and worry it could cause reserving issues using actuarial guidelines, even as they weigh a move to principles-based reporting. WIll the NAIC move forward in examining insurers' reserve methodologies?