Episode #171: Will AG-49A Lead to the Death of IUL Sales?


This post is intended for financial professional use only.

Over the past 10 years, indexed universal life insurance has become one of the life insurance industry’s most commonly sold products according to LIMRA, a premier industry research organization. This unprecedented growth has led regulators to come together in an attempt to bring some level of standardization to insurance carrier’s illustration rates. In 2015, Actuarial Guideline (AG) 49 was the result.

Five years has done a lot for IUL development and product design, and in an attempt to re-level the playing field, a new round of guidelines are going into effect on December 14, 2020. In this week’s episode of Money Script Monday, Brian unpacks AG-49A’s impact on illustrated rates, multiplier performance, and consumer value.

Resources Provided for This Episode

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The information presented here is not specific to any individual's personal circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials.

About Brian Manderscheid

Brian Manderscheid is the Vice President of Case Design at LifePro. He works with financial professionals designing advanced case illustrations that are built for longevity and are always in the best interest of the client.


This information is meant for educational purposes only.

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