Issues and Debates
- People Can Disagree
- Plan of Insurance
- Plan of Insurance vs Policy vs Contract
- Policy Comparison
- Policy-Taxonomy-How Do You Think About Life Insurance Policies
- Premiums and Benefits
- Premium Due Date
- Private Cause of Action
- Problem – Asset Liquidations
- Problem – Illustrations
- Q: Was AIG an Insurance Company or Something Else?
- Q: What Came First Universal Life or Adjustable Life?
- Q: Are People Talking About the Same Thing?
- Q: Could AIG Have Separated AIGFP from the Insurance Companies?
- Q: Did Insurance Regulators tell AIG to Wind-Down their Securities Lending Business?
- Q: Does a Term policy have Cash Value?
- Q: Does the NAIC Get Anything Done Without Pressure From Congress?
- Q: How Can Universal Life Insurance Be Classified? Permanent / Whole / Term / Other
- Q: How Does This System Work?
- Q: How Does US Insurance Regulation Compare to International Insurance Regulation?
- Q: Is it Accurate to Call Universal Life a Whole Life Policy…..Maybe Not….
- Q: Is the Insurance Industry Exposed to Systemic Risk?
- Q: Is Universal Life Insurance a Traditional Product?
- Q: Universal Life – Who wanted this?
- Q: What did I Buy?
- Q: What is the NAIC – National Association of Insurance Commissioners?
- Q: What Life Insurance Products Need More Regulation Than Others?
- Q: What Policies lead to Lawsuits / Market conduct issues?
- Q: What’s the Problem?
- Q: Where Did They Get Their Information?
- Q: Who Can Call Themselves an Actuary?
- Q: Who Ultimately Pays?
- Q: Who Was Responsible for AIG Securities Lending?
- Q: Who Watches the Insurance Regulators?
- Q: Why is Universal Life Insurance sometimes called Whole or Permanent?
- Additionally, the insurer usually guarantees the cash value will not fall below a minimum value.
- The cash value of the policy can also be used to pay the term insurance portion of the policy