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life insurance

    understanding IUL in aftermath of AG49 - financial independence group
    Product R + DUncategorized

    Credit vs. Cost: Understanding IUL in the Aftermath of AG49

    by Scott Hall May 22, 2019
    written by Scott Hall

    Going into effect late in 2015, Actuarial Guideline XLIX (AG49) was supposed to level the playing field for indexed universal life (IUL).

    This piece of regulation prohibited carriers from showing outrageously high crediting rates and created a foundation for an honest comparison of products. It set up boundaries that were designed to simplify IUL and put an end to the illustration game once and for all.

    But did it?

    Continue Reading
    May 22, 2019
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  • Product R + D

    5 Features a Life Insurance Policy Should Have

    by Scott Hall December 3, 2018
    by Scott Hall December 3, 2018

    Updated September 6, 2023, at 6:59 PM Whether your client already owns a permanent life insurance policy or they’re considering purchasing one, sometimes the complexity can be overwhelming. Life insurance can be …

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  • Product R + D

    Two Main Issues with The Life Insurance Underwriting Process

    by FIG Marketing September 24, 2018
    by FIG Marketing September 24, 2018

    Updated September 6, 2023, at 4:28 PM One of the main reasons some of my private clients hate offering life insurance to their clients is that they don’t want to put their …

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