aband – Page 20 – [BonkNote]

Interest Rate – We Won’t Have To Pay It (p174-175) – And even if interest should fall, in the distant future, below six percent, the premiums charged will undoubtedly enable the company to fulfil the contract with those few policyholders who continue, as the expenses upon these old policies being very small, the excess of…

NAFA – National Association for Fixed Annuities nafa.com/ 2012 May/June – NAFA – 4 Reasons Why Indexed Universal Life is Ideal for Younger Clients, By Robert Billingham – p31-32 – 68p 2016 – LC – NAFA – National Association for Fixed Annuities v. Perez et al. Civil Action No. 16-cv-1035, (D.D.C., filed June 2, 2016) …

2014 – SOA – Modeling of Policyholder Behavior for Life Insurance and Annuity Products: A Survey and Literature Review, Society of Actuaries – 92p 2014 – SOA – Modeling of Policyholder Behavior for Life Insurance and Annuity Products: A Survey and Literature Review, Society of Actuaries — [BonkNote] — 92p Description: This report is a summary…

Daniel Gottlieb 2012 – AP – Prospect Theory Life Insurance and Annuities, by Daniel Gottlieb – 54p 2012 – NBER – Narrow Framing and Life Insurance, Working Paper 18601 – by Daniel Gottlieb and Kent Smetters – 38p 2016 – AP – Lapse-Based Insurance, by Daniel Gottlieb and Kent Smetters – 83p This paper was previously titled “Narrow…

Elan Moas 2023 – Book – Lapsed: The Universal Life Insurance Whistleblower, by Elan Moas Elan Moas – LAPSED, The Universal Life Insurance Whistleblower – [VIDEO-YouTube-03:37] 2023 1109 – Power of Zero / David McKnight – Why Elan Moas Is Wrong about IULs – [VIDEO-YouTube-00:45] 2024 0214 – For Advisors By Advisors – Will the Universal…

David Macchia youtube.com/@DavidMacchiaInnovation 2024 0417 – David Macchia – John Hilton: DOL Adds Significant Legal Liability to Producers – [VIDEO-YouTube-01:49] 2024 0417 – InsuranceNewsNet.com – DOL fiduciary adds significant legal liability to producers, panel agrees, By John Hilton – [link]

Globe Life home.globelifeinsurance.com/ AIL – American Income Life 2024 0415 – InsuranceNewsNet.com – Globe Life accused of rampant insurance fraud by short-seller report, by John Hilton – [link] 2024 0411 – Fuzzy Panda – Globe Life (GL): Executives Disregarded Wide-Ranging “Insurance Fraud” While They Received Millions in Undisclosed Kick-Back Scheme – [link] AIL – American Income Life

John Hilton 2024 0116 – InsuranceNewsNet.com – Hearing speakers trade barbs on whether DOL fiduciary rule hurts or helps, by John Hilton – [link] 2024 0415 – InsuranceNewsNet.com – Trade groups express concern about regulatory process on DOL fiduciary rule, by John Hilton – [link] A group of 11 industry trade associations sent a letter to…

DOL – Department of Labor – PTE 2020-02 dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/faqs/new-fiduciary-advice-exemption 2024 – Letter – NAIFA to GOV-DOL/EBSA – RE: Comments of NAIFA to RIN 1210–AC02: Retirement Security Rule: Definition of an Investment Advice Fiduciary and ZRINs 1210-ZA32, 1210-ZA33, 1210-ZA34 (p13) – VI. The Proposed Rule Excludes Independent Marketing Organizations from PTE 2020-02. Independent marketing organizations (“IMOs”)…

Government Hearings – 2024 2024 0110 – GOV (House) – Regulatory Whiplash: Examining the Impact of FSOC’s Ever-changing Designation Framework on Innovation, [PDF-, VIDEO-YouTube-02:16:20] House – Committee on Financial Services – Subcommittee on Digital Assets, Financial Technology and Inclusion 2024 0215 – GOV (House) – Protecting American Savers and Retirees from DOL’s Regulatory Overreach, Bob…