Talking points of variable and indexed universal lifeBlog added by Steve Savant on September 27, 2012
Steve Savant

Steve Savant

Scottsdale , AZ

Joined: January 28, 2005

My Company

Investment returns are important, but the risk to principle may very well trump greed. A customer risk tolerance review can help establish the propensity of risk through a battery of questions and answers using a numerical weighting methodology. Using the S&P 500 inside a variable universal life pays dividends, indexed universal life doesn’t. But indexed doesn’t credit a negative return, whereas variable sub accounts can lose all of its investment.

Today on the Business Insurance Zone, national insurance columnist Steve Savant and co-host Eric Palmer discuss customer risk tolerance and investment reward between variable and indexed universal life products.

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