How AG-49 Has Changed IUL Sales

By Ed Stark, CLU I recently read a very good article by LifeTrends which discussed the industry’s response to AG-49 focusing on the shift in Carrier Trends and Distribution Perspectives. What is AG-49? It is an Actuarial Guideline adopted by the National Association of Insurance Commissioners for Index Universal Life (IUL) Insurance Illustrations and was designed to […]