Products

Are you considering whether to revamp your product portfolio or to enter new markets? You may need an objective resource that understands the actuarial assumptions and recognizes the marketing opportunities. Our experts can help you analyze such implications, and examine and address the key issues that affect success, including systems, distribution, compensation, underwriting, product cost and product design.

We have many products and opportunities for companies to investigate. Please take a moment to view some of these offerings:

Universal Life/Variable Universal Life

Long Term Care Riders in UL/VUL Contracts

Traditional Life/Term

Return of Premium (ROP) Term

Variable Universal Life

TRIP A patient-pending VUL product that looks like an annuity. Simplified issue for Bank and Wirehouse Channels.

Special Non-Forfeiture Options for VULs to protect policies from "blow-up" during distribution phase.

Annuities

Variable Annuities

Universal Life

Long-Term Secondary Guarantees (Two attractive yet different designs are available.)

Critical Illness and Long-Term Care

Critical Illness (alone or integrated with Long-Term Care) provides for planning alternatives to traditional disability and life insurance. LTC provision completes funding during working years.

Critical Illness and Long-Term Care Riders to Life Insurance Policies.

Long Term Care Riders for Annuities provide enhanced values for annuity holders in case of chronic illness.

Regulatory & Advisory Services