ASA E-News | January 11, 2019
Carrier News & Updates
Prudential announces that on Monday, January 28, 2019 changes to PruLife Survivorship Index UL and the new Survivorship Benefit Access rider will be introduced, subject to state approvals.  View the full announcement.

Reliance Standard annuity interest rate decreases go into effect January 7, 2019 for fixed products and January 16, 2019 for indexed products. View the full announcement.

Guggenheim Life and Annuity announced that all of their product rates have changes in January 2019. View the full announcement.

American National Signature GUL reprice & retention limit change. View the full announcement.

Allianz announced that effective January 15, 2019, Allianz Asset Pro+ Series Fixed Indexed Universal Life product will be discontinued. View the full announcement.

Lincoln Financial is cutting fixed annuity interest rates effective on January 1, 2019. View the updated rate sheets.
Is Your Practice Built on Retirees? Trying to Reach More Retirees?
For people over 50 years old who are fully or semi-retired, doing a 22 minute online survey means they wanted to get their thoughts and ideas known! TransAmerica compiled this Retiree Survey and I suggest you take time and study it if you are working with retirees or are interested in doing so.

How Cap Rates are Determined by Indexed UL Providers
Many considerations go into determining the cap or participation rate, which can be periodically adjusted. IUL policies credit interest based on changes in an index or set of indices. The actual crediting rate is subject to some combination of a
floor, participation rate and a maximum cap amount. Typically one or more of these
elements are subject to change, whereas the others are contractually guaranteed.

In The News
Disability Insurance Market Growth Prediction 2019-2025
Jan. 9, 2019

The research report presents a comprehensive assessment of the Disability Insurance market and contains qualitative and quantitative insights, historical and forecasted data, competitor and regional analysis from 2014 to 2025. The research report provides analysis and information according to categories such as market segments, geographies, types and applications.

Efficient Ways to Help Your Clients Leave a Financial Legacy
Dec. 10, 2018

Some people are fortunate enough to have enough financial resources to leave a legacy to family members or some special cause. If they have accumulated more than they need to consume in their lifetimes, they may be able to multiply the size of their gift with proper planning.