BTID – Buy Term and Invest the Difference In the last two years a new product has surfaced – combining the buy term and invest the rest into one product which is tax sheltered from the buyer’s point of view. This product is the so-called Universal Life. —  Stanley B. Tulin 1981 – SOA – The…

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Consumerism I am not convinced that the consumer advocates,–David Swankin excepted– really know or speak for what the average consumer wants. I fear that in the dialogue between regulators, business and consumerists, what the general public really wants may be overlooked. —  William M. White, Connecticut General – Director of Government Regulations 1980 – SOA -…

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