We would love to hear from you. Click on the ‘Contact Us’ link to the right and choose your favorite way to reach-out!

wscdsdc

media/speaking contact

Jamie Johnson

business contact

Victoria Peterson

Contact Us

855.ask.wink

Close [x]
pattern

Archive for January 2010

The Unloved Annuity Gets a Hug From Obama

{January 29th, 2010} by Ron Lieber

January 30, 2010 Your Money The Unloved Annuity Gets a Hug From Obama Annuities: The official retirement vehicle of the Obama administration. As slogans go, it’s hardly “Keep Hope Alive,” or even “Change We Can Believe In.” But there were annuities, in a report from the administration’s Middle Class Task Force that came out this […]

Seize The 2010 Opportunity

{January 28th, 2010} by Michael S. Pinkans

By MICHAEL S. PINKANS Published 1/14/2010  As 2010 begins, many producers are happy to leave 2009 behind.  Industry sales of life insurance were down significantly last year, and fixed annuity sales cooled dramatically in the last quarter as interest rates declined. But for 2010, sales should increase as the economy and consumer sentiment recovers. The question […]

Flexible Income Options No Longer ‘One Size Fits All’

{January 28th, 2010} by Del Campbell and Kris Kattman

By DEL CAMPBELL AND KRIS KATTMANN Published 1/14/2010  In today’s economic environment, consumers have an overwhelming need for flexible annuity solutions. Many people are concerned with the market impact on their retirement savings and what that will mean to their overall retirement plans. People are not looking just for annuity solutions but income solutions that provide […]

The Combo Annuity/LTC Driver

{January 28th, 2010} by Cary Lakenbach

By CARY LAKENBACH Published 1/14/2010  Americans have just survived a devastating period of asset depletion and shrinkage. For many retirees and near-retirees, the ability to pay for the costs of long term care and other retirement costs has been severely compromised. What options are available for them? Are the costs affordable? For many retirees and near-retirees, […]

Annuitize And Invest The Difference

{January 28th, 2010} by Matthew Greenwald

By MATHEW GREENWALD Published 1/14/2010  A new rule of thumb seems in order for this time of financial stress for many retirees: “Annuitize and invest the difference.” This is not to suggest that retirees should put all, or even most, of their money into a life annuity. But for most retirees, putting 10% to 25% of […]

Obama To Highlight Annuities

{January 27th, 2010} by Trevor Thomas

By TREVOR THOMAS Published 1/26/2010  The Obama administration will promote use of annuities to generate retirement income when it releases proposals for helping stressed middle-income families. The administration’s plans include a proposal to encourage the use of annuities and similar products to transform savings into guaranteed future income, thereby reducing the chance of retirees’ outliving their […]

2010 Annuity Market Outlook

{January 26th, 2010} by Kim O'Brien

Click here for article.

SEC Plans to Reissue Rule 151A but Offers 2-Year Delay

{January 26th, 2010} by N/A

Click here for the article.

Regulators Target 'Source of Funds' in Annuity Sales

{January 26th, 2010} by Darrell Delamaide

Click here for the article.

Regulators Target ‘Source of Funds’ in Annuity Sales

{January 26th, 2010} by Darrell Delamaide

Click here for the article.

Interactive profiles of independent broker-dealers

{January 26th, 2010} by N/A

See how the major players stack up against one another –in anyway you like– with interactive profiles that allow you to compare the financial performance, production and rep counts of the largest broker-dealers. Click here to view the interactive data.

"Now Do We Have Your Attention?"

{January 25th, 2010} by Raymond J. Ohlson

READ BELOW FOR A SPECIAL MESSAGE BY RAY OHLSON OF THE OHLSON GROUP: Well it was quite a week. The senate seat once held by the late Senator Ted Kennedy was taken from the Democrats when the newly elected Senator Brown scored an upset victory in Massachusetts. Both sides of the aisle are now explaining […]

“Now Do We Have Your Attention?”

{January 25th, 2010} by Raymond J. Ohlson

READ BELOW FOR A SPECIAL MESSAGE BY RAY OHLSON OF THE OHLSON GROUP: Well it was quite a week. The senate seat once held by the late Senator Ted Kennedy was taken from the Democrats when the newly elected Senator Brown scored an upset victory in Massachusetts. Both sides of the aisle are now explaining […]

Former Americo Life Employee Sentenced to Prison for Taking Agents' Commissions

{January 25th, 2010} by Chad Hemenway

DALLAS January 22 (BestWire) — A Texas man was sentenced to 30 months in federal prison for defrauding his employer, Americo Life Insurance Co., of more than $900,000 for about a year starting in early 2003. Mark Camacho recruited eight other people to serve as recipients of deposits he transferred from insurance agents’ commission accounts within Americo’s system from […]

Former Americo Life Employee Sentenced to Prison for Taking Agents’ Commissions

{January 25th, 2010} by Chad Hemenway

DALLAS January 22 (BestWire) — A Texas man was sentenced to 30 months in federal prison for defrauding his employer, Americo Life Insurance Co., of more than $900,000 for about a year starting in early 2003. Mark Camacho recruited eight other people to serve as recipients of deposits he transferred from insurance agents’ commission accounts within Americo’s system from […]

Personnel Changes: CIGNA, Allianz, Transamerica, Others

{January 25th, 2010} by NU ONLINE NEWS SERVICE

By NU ONLINE NEWS SERVICE Published 1/22/2010  CIGNA HealthCare has hired David Guilmette to be president of the national segment. Guilmette previously was a managing director in the global health and welfare practice at Towers Watson Inc., New York, according to CIGNA HealthCare, Bloomfield, Conn., a unit of CIGNA Corp., Philadelphia, (NYSE:CI) Guilmette has a bachelor’s […]

GREAT statistics to help you with your sales of indexed life and indexed annuities….

{January 22nd, 2010} by Sheryl J. Moore

According to a recent Gallup, Inc. poll: 55% of American shareholders believe that the stock market will be higher a year from now. Only 11% believe that it will be lower in a year. How does that translate to IA and IUL? The power of the annual reset is magnificent! Although the market may be […]

Ruark: GMWB Use Below Expectations

{January 22nd, 2010} by N/A

By NU ONLINE NEWS SERVICE Published 1/21/2010  Use of the guaranteed minimum withdrawal benefit option offered with variable annuities has been lower than originally expected. Consultants at Ruark Consulting L.L.C., Simsbury, Conn., an actuarial consulting firm, come to that conclusion in a new study. Ruark consultants analyzed 3 million policy years of experience data from 7 […]

Michael White: BHC Annuity Income Rises

{January 22nd, 2010} by N/A

By NU ONLINE NEWS SERVICE Published 1/21/2010  Bank holding companies had better luck with income from annuity sales during the first 3 quarters of 2009 than banks did.U.S. BHC annuity commission income rose to $2 billion for the first 3 quarters, up 2.5% from $1.95 billion for the comparable period in 2008, according to Michael White […]

Looking For Certainty On Contingent Annuities

{January 22nd, 2010} by Joan E. Boros

By JOAN E. BOROS Published 1/19/2010  Who could have predicted that the time would come when people would worry about the uncertainty of the “when” of death, about living too long, and that a federal taxing authority, the Internal Revenue Service, would act “kindly” on tax treatment?  But contingent annuities have given rise to that anomaly. […]

Ambulance Chasers and a Lack of Responsibility

{January 20th, 2010} by Sheryl J. Moore

Ambulance Chasers and  a Lack of Responsibility BY SHERYL MOORE Ask anyone who has been in the insurance business for more than a decade about class-action lawsuits and you’ll likely hear that they’ve had experience with at least one (be it “vanishing premiums,” underfunded UL, or annuities). These lawsuits have been around for a long […]

CNBC On The Money Talks About Indexed Annuities

{January 19th, 2010} by industryauthor

A tale of new retirement products

{January 18th, 2010} by Joan Boros

Believe it or not, literary lions may provide best insights into achieving a stable retirement

By Joan E. Boros
January 17, 2010

For a look at the retirement products advisers can expect in 2010, the insights of some literary greats — Charles Dickens, Voltaire, Lord Byron and Jane Austen.

No big love in Utah

{January 18th, 2010} by Jessica Toonkel Marquez

Barred advisers sue state for $358 million, accusing securities regulator of witch hunt By Jessica Toonkel Marquez January 17, 2010, 6:01 AM EST           Two former financial advisers who were barred from the securities industry have sued Utah for $357.6 million, accusing state regulators of targeting them without proof of wrongdoing […]

Records say accused embezzler has multiple personality disorder

{January 13th, 2010} by Tom Witosky

Accused embezzler Phyllis Stevens was treated for six years for multiple personality disorder, and her lawyer wants to explore whether that can be a defense in her criminal case. The Des Moines woman’s lawyer, William Kutmus, disclosed the diagnosis in a motion filed Tuesday in federal court. Kutmus asked for a delay in her trial, […]

A.M. Best Downgrades Ratings of The Phoenix Companies, Inc. and Its Subsidiaries

{January 13th, 2010} by N/A

January 13, 2010 OLDWICK, N.J.–(BUSINESS WIRE)– A.M. Best Co. has downgraded the financial strength rating (FSR) to B+ (Good) from B++ (Good) and issuer credit ratings (ICR) to “bbb-” from “bbb+” of the core life insurance entities of The Phoenix Companies, Inc. (Phoenix) [NYSE: PNX], which includes Phoenix Life Insurance Company (Phoenix Life) (East Greenbush, […]

Law Firm Organizes Suit Against Annuity Issuer

{January 12th, 2010} by Warren Hersch

By WARREN S. HERSCH Published 1/11/2010  The plaintiffs in a suit filed in a federal court in Phoenix are accusing an insurer of misrepresenting the tax benefits of buying deferred variable annuity contracts. Hagens Berman Sobel Shapiro L.L.P., Phoenix, has filed the suit in the U.S. District Court for the District of Arizona on behalf of […]

Raymond J. Ohlson, CLU Highlighted in Ball State University Fall 2009 Business College Magazine

{January 11th, 2010} by N/A

January 06, 2010    Raymond J. Ohlson, CLU was featured in Ball State University’s Miller College of Business Fall 2009 Magazine.   January 6, 2010 Raymond J. Ohlson, BS radio and television 1972, has been elected president of the Central Indiana Chapter of the Society of Financial Service Professionals.  He is the founder and CEO […]

Davis Life Brokerage Celebrates 30 Years of Growth

{January 11th, 2010} by N/A

Des Moines  – January 11, 2010 – After a very turbulent year for the United States economy and especially small businesses, a business in Iowa’s capital is not only surviving but thriving. Davis Life Brokerage, founded by Ronald Davis, CLU, in January 1980, has seen a lot of other similar businesses come and go. Meanwhile, […]

US Life Insurer Phoenix Cos. to Sell Ultra High-Net-Worth Private-Placement Business

{January 11th, 2010} by Frank Matso Lysiak

January 11, 2010 U.S. life insurer Phoenix Cos. Inc. said Tiptree Financial Partners plans to acquire its private-placement insurance business, PFG Holdings Inc. The deal, which also includes PFG’s subsidiaries — Philadelphia Financial Group Inc. and AGL Life Assurance Co. — is expected to close in the second quarter, Phoenix (NYSE: PNX) said. Terms of […]

Is Allianz about to make a move for Swiss Life?

{January 11th, 2010} by N/A

By Associated Press January 11, 2010, 11:45 AM EST   Shares in insurer Swiss Life Holding jumped Monday on reports that German rival Allianz SE is planning to make a takeover bid.Swiss Life shares were up 7 percent to 154.80 Swiss francs ($152.25) in afternoon trading on the Zurich exchange. French business Web site WanSquare, […]

Indexed annuity sales rise in 2008

{January 10th, 2010} by Mercedes Jackson

BY Mercedes Jackson Published 11/20/2008    According to the 59 indexed annuity carriers participating in the Advantage Index Sales & Market Report, total third-quarter sales were $6.7 billion, up 5.2 percent from the same period last year. Year-to-date sales were $19.5 billion, up 3.9 percent from the previous period. Aviva held its No. 1 position, with 29 […]

A season of change awaits

{January 10th, 2010} by Andy Stonehouse

BY Andy Stonehouse Published 12/1/2008    From the December 2008 Issue of Senior Market Advisor Magazine In this special section, we’ll examine the development and the repercussions of the SEC’s divisive proposal, Rule 151A, and speak with those on both sides of the issue. We will also offer you some concrete steps to make sure your voice […]

Keep an eye on SB 1372

{January 10th, 2010} by Daniel Williams

BY Daniel Williams Published 3/26/2009  While most of us in the industry have kept our eye firmly on SEC 151A, Sheryl J. Moore, president and CEO of Lifespecs.com and AnnuitySpecs.com, says we should be keeping an eye on Florida Senate Bill 1372 as well. [Editor’s note: Moore sent the following information to Senior Market Advisor regarding […]

Advantage report shows jump in indexed product sales

{January 10th, 2010} by Sheryl J. Moore

BY STAFF WRITER Published 5/22/2009    The 47th installment of Advantage Index Sales & Market Report, which represents nearly all indexed annuities, showed first quarter sales were up almost 23 percent over last year to $7 billion. “Never has there been a better opportunity to manufacture or sell indexed annuities,” said Sheryl J. Moore, President and CEO […]

Back to the drawing board?

{January 10th, 2010} by Andy Stonehouse

BY Andy Stonehouse Published 9/1/2009 In this special section, part of a Senior Market Advisor series on the developments and legal response to SEC Rule 151A, we break down the flurry of headlines from this summer. Does a federal ruling calling for a major retooling of 151A spell the end of the line for the controversial […]

Annuities sales up compared to 2008

{January 10th, 2010} by Daniel Williams

BY Daniel Williams Published 11/24/2009  Well, if you were looking for some good news, you might have found it in a recent annuities report.The forty-ninth installment of the Advantage Index Sales & Market Report showed that total third quarter sales of indexed annuities reached $7.5 billion, an 11.3 percent jump from the same period last year. […]

Index Products Saw Another Record Year In 2005

{January 9th, 2010} by Sheryl J. Moore

By SHERYL MOORE Published 3/5/2006  At $27.3 billion, index annuity sales in 2005 set a record for the 11th consecutive year. Index universal life (IUL) premiums increased, as well—to $186 million, nearly double the volume two years ago. In the fourth quarter 2005, however, sales were uneven. Index annuity sales for the quarter were $6.5 billion, […]

Indexed Universal Life: A Primer And A Forecast

{January 9th, 2010} by Sheryl J. Moore

By SHERYL MOORE Published 7/2/2006  It’s been nearly 30 years since consumers were first offered the benefits of universal life insurance. With UL came flexibility in premium payments, death benefit options, coverage amounts and all sorts of other things that they never dreamed of. Now, fast forward to 1997 when the first indexed UL was introduced. […]

Why Index Annuities Are Adding Living Benefits

{January 9th, 2010} by Sheryl J. Moore

By SHERYL MOORE Published 10/15/2006  Like other annuities, index annuities attempt to differentiate themselves from one another in various ways. For instance, from offering 3 basic interest crediting methods in the mid-1990s, the products expanded to offering over 40 variations by 1999. Index annuity carriers have also played with offering different indices, trailing commissions, and even […]

What’s Limiting Innovation In The World Of Index Annuities

{January 9th, 2010} by November 13, 2006

By SHERYL MOORE Published 11/12/2006  The business environment usually drives change. In the life insurance world, for instance, years of rising interest rates that negatively affected cash value life sales drove insurers to create universal life products. The millennium bear market resulted in an explosion of variable annuities offering risk reduction riders. And, the fixed annuity […]

3Q Index Annuity Sales Inch Ahead, Index Life Sales Grow Apace

{January 9th, 2010} by Sheryl J. Moore

By SHERYL MOORE Published 12/3/2006  Index annuity sales for the 3rd quarter of 2006 were $6.5 billion—a bit higher than 2nd quarter sales, which in turn were up slightly from 1st quarter sales. The sales leader was Allianz Life, reporting nearly $1.7 billion in total sales, followed by AmerUs Annuity Group at $637 million. The market […]

The Ingredients For Success With Index UL

{January 9th, 2010} by Sheryl J. Moore

By SHERYL MOORE Published 3/18/2007  This is an opportune time to launch index universal life (IUL) insurance. Of course, compared to total universal life sales, IUL is still just a baby, having been in existence for only a decade and with sales at less than 10% of total UL sales industrywide. By comparison, traditional UL has […]

Are Fixed Annuity GLWBs Needed?

{January 9th, 2010} by Sheryl J. Moore

By SHERYL MOORE Published 5/27/2007  One year ago, no fixed annuity offered guaranteed lifetime withdrawal (GLWB) benefits. Today, over half of the top-selling fixed indexed rate carriers and a couple of the fixed stated rate carriers offer the benefit on at least some of their annuities, and most of the carriers we consult with will be […]

Top 10 Index Annuity Misconceptions

{January 9th, 2010} by Sheryl J. Moore

By SHERYL MOORE Published 8/19/2007  Imagine a neighbor knocks on your door, complaining he is “tired of your kids misbehaving and acting out of control.” Claiming he’d be a better parent than you, he picks up your kids and takes them home. Wild imagination? Not if we’re talking index annuities. Last month, the Securities and Exchange […]

Hitting A ‘Home Run’ With Indexed Universal Life

{January 9th, 2010} by Sheryl J. Moore

By SHERYL MOORE Published 8/19/2007  When my son first started playing baseball, he was so nervous that he wouldn’t even swing. This went on for several games. Then came the day when he actually connected with the ball. He finally understood what to do, and after that, there was no stopping him from swinging and knocking […]

Regulators Need Index Product Training

{January 9th, 2010} by Sheryl J. Moore

By SHERYL J. MOORE Published 12/16/2007  Recently, the Iowa Insurance Division adopted rules 191-15.80-87. These require all producers who wish to sell indexed life or indexed annuity products in Iowa starting Jan. 1, 2008 to complete a 4-credit training course on the products. The state is in a supreme position to lead the way with this […]

Iowa Department Joins Project On Fixed And Index Annuity Disclosure

{January 9th, 2010} by Sheryl J. Moore

Published 2/10/2008  Iowa insurance regulators are joining with several industry trade groups in a pilot project designed to help consumers wade through the complexities of the fixed and index annuities they are buying. The Iowa Insurance Division said last week it is joining the American Council of Life Insurers and the National Association of Fixed Annuities […]

Quiz question: Criteria for index annuities

{January 9th, 2010} by Linda Koco

By LINDA KOCO Published 2/20/2008  The question was: Which of the following criteria apply in determining whether an index annuity qualifies as insurance? a) The annuity is issued by an insurance company, subject to the supervision of the insurance commissioner or any state or territory of the U.S. or District of Columbia b) The insurer must […]

Keeping Index Life Out Of Hot Water

{January 9th, 2010} by Sheryl J. Moore

By SHERYL MOORE Published 1/20/2008  The index annuity market has some lessons for insurance companies and advisors who are now expanding into sale of index life insurance. Those lessons are rooted in the many challenges that index annuities have faced from their early years on to today. It’s no secret that index annuities have had their […]

Index Annuity Sales Were Flat In ’07—But Still ‘Amazing’

{January 9th, 2010} by Linda Koco

By LINDA KOCO Published 3/9/2008  Given the pounding that fixed index annuities have taken from regulators over the past 2 years, some observers have been predicting that FIA sales would plummet. But they haven’t plummeted, according to the year-end sales report from AnnuitySpecs.com, Des Moines, Iowa. Sales for the 4th quarter were down slightly—less than 1%—compared […]

Index Annuities Get Sexy

{January 9th, 2010} by Sheryl J. Moore

By SHERYL MOORE Published 4/20/2008  There are two words we don’t see in the same sentence every day: “annuities” and “sexy.” Yet, the latest trend in the index annuity market aims to change that. This is a new type of crediting strategy, commonly referred to as a “rainbow method,” and it is turning heads. Initially only […]

1Q 2008 Index Product Sales Decline From 2007’s 4Q

{January 9th, 2010} by Linda Koco

By LINDA KOCO Published 6/15/2008  Sales of index annuities and index life insurance fell in the 1st quarter of 2008 compared to the previous quarter, according to figures from AnnuitySpecs.com, Des Moines, Iowa. IA sales dropped by 10%, while IL sales fell by nearly 25%, says Sheryl Moore, president of AnnuitySpecs. “But when compared to the […]

Fixed Index Annuity Sales Jumped 20% in 2nd Quarter

{January 9th, 2010} by Linda Koco

By LINDA KOCO Published 9/7/2008  Index annuity sales in the 2nd quarter 2008 jumped 20% over the 1st quarter and 5.55% over the 2nd quarter 2007, according to the Advantage Index Sales & Market Report. Sales of the fixed version of the product—fixed index annuities—totaled nearly $7 billion for the quarter, according to AnnuitySpecs.com, Pleasant Hill, […]

Understanding Index Annuity GLWBs

{January 9th, 2010} by Sheryl J. Moore

By SHERYL MOORE Published 11/2/2008  It has only been a little over 2 years since guaranteed lifetime withdrawal benefits (GLWBs) burst into the scene in the index annuity market. Since June 2006, carrier after carrier has hopped into this raging market. In fact, while new product development has never been so low, GLWB rider product development […]

Selling Indexed Life In A Down Economy

{January 9th, 2010} by Sheryl J. Moore

By SHERYL MOORE Published 11/16/2008  Right now, a lot of people are “freaking out” in the financial services sector. Why? One of the largest insurance companies in the world has accepted a loan from the U.S. government as part of a bailout plan. Two other European insurance companies have accepted capital infusions from the Dutch government. […]

12 Months In The Life Of The Index Product Market

{January 9th, 2010} by Sheryl J. Moore

By SHERYL MOORE Published 12/14/2008 A look back at 2008 provides a stunning view of how far the index product industry has come in the past 12 months. One of the first items to affect the index annuity (IA) market this year was the Joint Annuity Disclosure Pilot Project of American Council of Life Insurers and […]

In The IA Crystal Ball For 2009

{January 9th, 2010} by Sheryl J. Moore

By SHERYL J. MOORE Published 1/5/2009  What does 2009 hold for the index annuity industry? Here are some likely possibilities. Regulatory changes. From a sales and marketing perspective, such changes are in the IA industry’s best interests. For instance, I just reviewed a policy filing with a 25% bonus on the benefit base of the guaranteed […]

Buckle Up For A Fast Product Ride In 2008

{January 9th, 2010} by Linda Koco

By LINDA KOCO Published 2/24/2009  Fasten your seatbelts. The year 2008 promises to be a fast one where insurance and allied financial products are concerned. Following are the trends as seen by industry experts around the country. Retirement is the Big Kahuna, since the oldest baby boomers will turn age 62 in 2008, thus qualifying for […]

2008 FIA Sales Seen Rising 6.2%

{January 9th, 2010} by Linda Koco

By LINDA KOCO Published 2/25/2009  Fixed indexed annuity sales in 2008 rose nearly 6.2% over 2007 results, according to preliminary statistics released by AnnuitySpecs.com, a data service of Advantage Group Associates, Inc., Des Moines, Iowa. Total 2008 sales for the industry are projected at over $26.7 billion, the company says. The top 10 companies produced over […]

NAFA: Change Fla. Annuity Bill

{January 9th, 2010} by Trevor Thomas

By TREVOR THOMAS Published 3/20/2009  The National Association for Fixed Annuities is joining with the National Association of Independent Financial Advisors to respond to a Florida bill that would regulate annuity sales to seniors. NAFA, Milwaukee, says it also is working with carriers to respond to the bill, S.B. 1372, the Safeguard our Seniors Act. One […]

More Companies Are Signing Up Advisors

{January 9th, 2010} by Linda Koco

By LINDA KOCO Published 5/4/2009  Insurance companies and marketing organizations typically reduce their sales ranks until a recession subsides. But in recent months, some are going the other direction. They’ve started ramping up the sales force, not the other way around. We’ll explore the reasons why, but first some examples: • Combined Insurance, Chicago, says sales […]

IA Sales Rise 23%

{January 9th, 2010} by Linda Koco

By LINDA KOCO Published 5/19/2009  Indexed annuity sales were about 23% higher in the first quarter of 2009 than they were in the first quarter of 2008, although they were slightly lower than in the previous quarter, according to AnnuitySpecs.com. First-quarter 2009 sales totaled $7.1 billion, down 2.1% from about $7.3 billion in the fourth quarter […]

1Q indexed annuity sales results

{January 9th, 2010} by Sheryl J. Moore

Published 6/22/2009  Indexed annuity sales in the first quarter of 2009 dropped by about 2% when compared with the previous quarter but were up by nearly 23% when compared to the same year earlier period, reports AnnuitySpecs.com, Pleasant Hill, Iowa. The 1Q 2009 sales totaled $7.1 billion, as compared with nearly $7.3 billion in 4Q 2008 […]

Why An Uptick Is Coming For Indexed UL Sales

{January 9th, 2010} by Sheryl J. Moore

By SHERYL MOORE Published 7/6/2009  Index universal life sales in 2008 were a record-breaking $539 million. Never have the environment and market conditions been so favorable for this product. Millions of Americans are leaving the equities markets, where values are being depleted, in favor of the safety and stability of products with guarantees. These drivers, coupled […]

currency