Refind

SOA

  • What if all agents don't know stuff?
    • Walker v LSW
      • Why would you pay more
      • Cash Value guaranteed
        • NAIC
  • Agent - I didn't know Costs Came Out
    • Van Mueller
    • Polic Mechanics
  • it's not a 10 pay / paid up policy
    • Metzenbaum
  • the US Economy goes the way of the life insurance industry
    • 2008 0917 - WSJ - Throwing a Lifeline to a Troubled Giant, Andrew Ross Sorkin - 6p
      • Among the points highlighted for lawmakers was that A.I.G. was one of the 10 most widely held stocks in 401(k) retirement plans, and that its collapse could potentially cause an enormous run on mutual funds.
  • Overview of Universal Life Product Features
    • Fixed, indexed, and variable products
    • Flexible and fixed premium products
    • Persistency bonuses
    • Secondary guarantees (with and without shadow accounts)
    • Various types of reinsurance and the reinsurance reserve offset

2018 - SOA - A Comprehensive Look at U.S. Reserving Principles for Universal Life Insurance: Fixed, Indexed and Variable Seminar, Society of Actuaries

LAW

  • Do you see anywhere that it says retirement plan?

somewhere

  • ACLI - Fact Book - UL- Adjustable Life -> "and lengthen or shorten the protection period." - Missing

Old Stuff

  • something needs to be done: Industry -> Government

NAIC