The TOLI Handbook – Chapter 10: Understanding Equity Index Universal Life

By |2018-07-17T06:55:15+00:00July 17th, 2018|Categories: Equity Index Universal Life, General Interest, Policy Management, The TOLI Handbook|

Equity index universal life (EIUL) is the hottest product in the permanent life insurance marketplace. The “star of the life insurance show” according to one published report (1) that is touted as providing the upside of the equities market without the risk of loss. The carriers accomplish this by crediting the EIUL policy with the positive [...]

A Decade of TOLI: The Changes and Challenges

By |2016-01-19T19:20:56+00:00January 19th, 2016|Categories: Current Assumption Universal Life, Equity Index Universal Life, General Interest, Policy Management, Whole Life|

In our last Blog post, we recapped the year in Trust Owned Life Insurance (TOLI) for 2015 (see: The Year in TOLI – 2015 Edition). As one of the pioneers of life insurance policy management in the United States, ITM TwentyFirst has the unique ability to participate in and track trends in the TOLI industry. Almost a [...]

The Year in TOLI – 2015 Edition

By |2015-12-31T14:45:07+00:00December 31st, 2015|Categories: Current Assumption Universal Life, Equity Index Universal Life, General Interest, Policy Management, TOLI Administration|

One of the highlights for us here at ITM TwentyFirst was the June 1 merger of Insurance IQ, Insurance Trust Monitor (ITM), and TwentyFirst (See Merger of Leading Life Insurance Service Firms) to create ITM TwentyFirst. Synergy is a term thrown around easily when firms join forces, but in this case, it is true. The three firms have [...]

Actuarial Guideline XLIX Will Mandate More Realistic Assumptions for Index-Based Life Insurance Policies

By |2015-09-01T08:32:35+00:00September 1st, 2015|Categories: Equity Index Universal Life, General Interest, Policy Management, TOLI Administration|

We have written, as recently as June of this year, in Life Insurance Illustration Assumptions…a Trustee’s Dilemma, about the investment assumptions used in life insurance sales illustrations. In most illustrations, all else equal, the higher the return assumed in the investment backing the cash value, the lower the premium shown to carry the policy. Historically, this has led [...]

Life Insurance Illustration Assumptions…a Trustee’s Dilemma

By |2015-06-23T22:51:40+00:00June 23rd, 2015|Categories: Current Assumption Universal Life, Equity Index Universal Life, Policy Management, TOLI Administration, Whole Life|

In the early ‘80s when interest rates skyrocketed (Are you old enough to remember 18% mortgage rates?) the insurance industry created Universal Life insurance (UL), with sales illustrations based on “current assumptions,” which included the fixed rate being credited to the policy’s cash value at the time of the policy’s issue. As with all sales illustrations, [...]

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This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.