How to Sell IUL After AG 49 Changes Coming in November


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AG 49A will certainly reduce illustrated rates and you’ll have to look to the actual history of an index when choosing the right product for your client. One of the best ways we’ve found to do that is a research tool that helps with extensive product analysis.

Complete the form and you’ll get access to a report showing the leading underlying index options of 9 of the top 10 indexed universal life products.1

Here’s what to pay close attention to:

Some of the leading products sold today have some of the worst performing index options. And there’s one clear outlier that’s outperformed its illustrated rate by more than 3%, on average, for the last 10 years. That’s more than twice their competition.

Information like this, as well as upcoming changes with AG 49, are something you need to know if you want to continue to sell IUL after November 25th.

That’s why when you download the report, you’ll also get access to a recording of our recent webinar (which we’re excited to say is gaining national attention in the industry).

On that webinar, product developer and industry-recognized actuary, Jason Konopik, explained the impact of upcoming AG 49 changes to the IUL market –

It’s one of the biggest changes the life insurance industry has seen since IUL was first introduced.

Enter your information and grab your copy of the report and recording now so that you’re prepared to sell more IUL after AG 49 changes go into effect.

Prepare for Upcoming Changes





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This content is for informational and educational purposes only and is not designed, or intended, to be applicable to any financial professional or client's individual circumstances. Partners Advantage Insurance Services and their representatives do not give tax or legal advice.

The third-party tools and information included in this communication have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Partners Advantage – A Gallagher Company. Third party vendors are not affiliated with Partners Advantage – A Gallagher Company. Each Financial professional should carefully consider and research the merits of any third-party materials that are provided to their clients.

1 Based on Wink’s Sales & Market Report 2nd Quarter, 2020

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