The life insurance update for December 2012

By Steve Savant

It’s almost over. AG38’s impact has shaken up the pretenders off the mountain and left the real players standing. Not since the days of Triple XXX and Triple EEE regulation has any actuarial guideline reconfigured the life and fixed annuity insurance product lines, especially guaranteed universal life. With less than 30 days left to the end of the year, the fire sale of guaranteed universal life has fanned a marketing frenzy, further fueled by the substandard season of impaired risk cases. Steve and Jessica review a dozen carriers in a quick expose’ of those left standing before the New Year begins.

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