What's Your Theory?

  1. Who would know?
    • When Will Policyholder Be Given The Truth?
        • Why didn’t ACLI Show up?
        • Who consulted with Senator Metzenbaum?
      • Statements
        • Metzenbaum…same policy…wildly different premiums. Why? Different Policies.
        • Guaranteed for only 12 years
      • Where did this come from?
        • 1994-4 NAIC Proc. 651 - ”subject to maximum premiums allowable to qualify as life insurance under the applicable provisions of the Internal Revenue Code.”
        • ULMR- R-Ratio
          • Shane Chalke---not sure