Current assumption universal life — the mid-year 2013 life insurance review

By Steve Savant

Steve and Bobby re-introduce current assumption universal life (UL) as a basic platform for three crediting methods: interest rate crediting, indice crediting and separate subaccount crediting, i.e. interest rate UL, index UL and variable UL. This simplified approach creates a story line built upon product suitability correlation with a risk assessment profile that delivers an easier consumer understanding for supplemental retirement income.