A Closer Look At New Money Vs. Portfolio Rates
New isn’t always better. But then again, sometimes it is. The key is to know the difference, and when we’re talking about carriers...
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Pay Less, Get More
A great strategy when you can pull it off. Unfortunately, there are few opportunities in life to truly get more while paying less...
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Getting Back To Even
Among the problems people face, paying too much in tax is not really a bad one. As I like to say, it certainly beats the opposite...
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The Retirement Gap
As much time as we focus on product in this forum, it seems appropriate to turn our attention to other variables in the calculus...
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The Lump Sum Capacity Problem
The recent announcement by Northwestern Mutual of a limitation on first year premiums is but the latest chapter in the saga of the...
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What You Don’t Know About NLG Contracts Can Hurt You
There has been a good deal of discussion about the increased pricing in the NLG (No Lapse UL) market over the last six months. ...
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The Huge Hole In Chronic And Critical Care Riders
Contracts are a funny thing. The presence of one word can completely change the meaning of a section, or even the contract in its...
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The Problem With Carrier Financial Ratings
Many of us would agree that there is a problem with the way the large ratings agencies go about their business. They are funded by...
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Life Product Evolution And Diversity
A few weeks back we talked about product innovation and the need to look at ideas beyond variations on the current products. One...
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Indexed UL With A 4% Floor
While I don’t live in hurricane or tornado country, I do know that there is one spot in the storm that can be quite calm: the...
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Filial Responsibility: Who’s Left Holding The Bag?
There has been quite a bit of press lately around this issue of filial responsibility, including a real-life cautionary tale of...
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Another Trip To The Urologist
We discussed the impact of the recent news on the effectiveness of PSA testing a few weeks ago. The primary take away from that...
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Insuring The Uninsurable
There are few things worse in our business than a willing premium payer who cannot obtain coverage based on their health history...
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