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AG 49-A

    AG 49-B & Life Insurance Illustrations: What You Need to Know
    Product R + D

    AG 49-B & Life Insurance Illustrations: What You Need to Know

    written by Scott Hall

    Major change is coming in the world of indexed universal life (IUL). In May 2023, we’ll see the next round of revisions to Actuarial Guideline XLIX (AG 49), which initially went into effect in 2015. This was the first in a series of regulations directed toward taming IUL illustrations, though this year’s revisions will likely be the last for the time being.

    While these regulations may seem to put IUL directly in the line of fire, it’s important to note that none of these changes affect the real-world performance of these products; the changes only affect what carriers can show on a hypothetical illustration. The illustration is under scrutiny, not the product itself.

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    AG 49-B & Life Insurance Illustrations: What You Need to Know was last modified: April 20th, 2023 by Scott Hall
    April 20, 2023
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  • Product R + D

    What to Know: Regulatory Changes from AG 49-A & Section 7702

    by TJ Whalen April 1, 2021

    Updated September 7, 2023, at 11:31 AM Of course, the first part of the title is the famous first line to one of the greatest stories ever written, A Tale of Two…

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