Variable universal life insurance policies
are offered by prospectus only.
Life insurers face unanticipated liability from the continued low interest rates that undercut the returns they anticipated when they priced some of their universal life insurance policies
with secondary guarantees.
The Fund generally invests in various high-credit-quality universal life insurance policies
, as well as cash-equivalent securities to enhance liquidity.
A Universal life insurance policies
offer an investment element and a death benefit, while giving the policyholder the right to increase or decrease the amount of the investment element.
This article extends previous research by examining actual universal life results and providing evidence on the relative effects of all credits and charges (mortality, expense, and surrender) within universal life based on a multivariate analysis for a sample of universal life insurance policies
Indexed universal life insurance policies
are not stock market investments, do not directly participate in any stock or equity investments and do not receive dividend or capital gains participation.
The company targets and acquires mainly universal life insurance policies
that are no longer desired by individuals in order to build a large portfolio of policies that meet a rigid selection process.
New premium growth has slowed in the past quarter after the Insurance Regulatory and Development Authority imposed new rules on unit-linked and universal life insurance policies
in a bid to reduce product costs and to enhance transparency, market discipline and protection for policyholders.
Companies such as Genworth developed term-UL to get out from under the Regulation XXX reserve regime, which covers certain term life policies, and move into the AG 38 reserve regime, which is used to determine the statutory reserves life insurers must hold to support their universal life insurance policies
with a secondary death benefit guarantee.
Also, a new interest in group variable and group universal life insurance policies
may develop because employees will look at these products to protect their assets and create a cash value.
It's important to note that indexed universal life insurance policies
are not stock market investments and do not directly participate in any stock or equity investments.
Securities and Exchange Commission is investigating a subsidiary concerning the suitability of its sales of universal life insurance policies