Product and Underwriting Guides

Life Insurance Portfolio Analysis

A very nice tool for analyzing and comparing various life insurance contracts. Instruction are found on the first tab. This tool is new so any feedback will be appreciated to improve future versions.

Life Insurance Analysis Tool

Asset Based Long Term Care Features

A comparison of the features and benefits of the new normal in LTC products

Asset LTC Features

Core Carrier First Year Premium Restrictions

Before you present that jumbo Guaranteed Universal Life double check the carrier’s premium restrictions

Premium Restrictions

Core Carrier Product and Underwriting Niches

Ever wonder where to go for best product to fit a particular situation? Here is the guide; a complete compendium of “sweet spots”.

Product and Underwriting Niches

Core Carrier Reinsurance and Retention Information

Reinsurance and Retention Information

Term Conversion Feature Comparison

Term Conversion Privileges

Guaranteed and Simplified Issue Programs

Guaranteed Issue and Simplified Issue Programs information in one place. GI made easy!

GI and SI Programs

Indexed Universal Life Product Features

Here is the definitive guide to the features and benefits of Indexed Universal Life products

IUL Product Features

Long Term Care and Chronic Illness Rider Features

An exhaustive comparison of Long Term Care and Critical Illness Riders.

LTC and CI Rider Features

Rolling Targets

It is almost impossible to calculate expected commissions without understanding how a carrier treats the timing and application of target premiums, with respect to commissions. Here is the rolling target rules of a number of carriers.

Rolling Targets

Target Premium Locator

Ever search through the pages of an illustration to find the target premium? Here is a guide.

Target Premium Locator