The implementation of AG 49A has increased the initial attractiveness of VUL products offering IUL sub-account options. VUL is not subject to AG 49A; hence, it permits the carrier to maintain these IUL strategies within the VUL chassis free from actuarial guideline constraint. As the leading broker-dealer for VUL, we have taken a keen interest...

Littleton, Colorado – Family-owned, independent broker-dealer, The Leaders Group, Inc., surpassed 1,000 registered representatives in 2020, adding 276 this year alone with 139 of those additions being retail or dual retail-wholesale representatives – many of whom were formerly affiliated with Nationwide. Founded in 1994 by the late Dave Wickersham, The Leaders Group has grown steadily...

As we all know, nothing is normal about 2020. The crises this year have created opportunities and obstacles in the insurance market. Add in Regulation Best Interest (Reg BI) and the upcoming changes to Life Insurance Illustration Model Regulation (#582), and we need to consider additional options and opportunities.  The Illustration Model changes may eliminate hedged index life insurance. The new illustration guidelines limit the assumed...

We are finally rounding the bend with the home stretch in view for the balance of 2020. This has been a year to remember so far, and I expect we will have more fireworks before this race is over. Three major factors will be impacting the way the economy and equity markets move between now and the end of the year and potentially...