New Actuarial Guidelines Issued in 2015

New Actuarial Guidelines Issued in 2015

They level the playing field for equity indexed universal life illustrations

The life insurance product with the greatest sales growth in 2015 was equity indexed universal life (EIUL). Because of the number of variables, it’s the most complicated life insurance product in the marketplace.1 In selling the product, life insurance agents rely on illustrations, as do their clients. The best illustration wins. Not the best policy—the best illustration. Because of the lack of uniformity in EIUL illustrations, it’s almost impossible to make a mea

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