Sheryl Moore

  • Mooremarketintelligence.com/
    • "You Deserve Moore - The Most Connected Person in the Insurance Biz"
  • winkintel.com/insurance-basics/life-insurance/
    • This permanent type of insurance provides lifetime coverage if performance warrants, as well as minimum guaranteed cash values and death benefits (like traditional Universal Life).
    • A consumer cannot lose their principal due to fluctuations in the market with this type of product.
  • Sheryl Moore – Walker v LSW
    • <WishList> - Expert Reports and Testimony of Defendant's Expert Sheryl Moore 
  • 2014-1, NAIC Proc. - Mike Boerner, Chair of Life Actuarial Task Force, Texas Department of Insurance
  • 2014 0928 - Letter - Sheryl J. Moore to NAIC (LATF) - Moore Market Intelligence - RE: Actuarial Guideline on Illustrations for Indexed Life Insurance Policies - [link]
  • 2014-3, NAIC Proceedings - Moore Market Intelligence Letter (9-28-14) ................ 6-345
  • 2019 0312 - IULSG - IUL Illustration Subgroup - (A) - NAIC  ---  [BonkNote]
    • NAIC Proceedings
      • Sheryl Moore (Wink) said that while the discussion has focused on the range of returns, there are a number of other factors, such as leverage charges, that could result in internal policy costs  that are different from what is illustrated.
      • Ms. Moore said that because the bonuses and IRMs are not being considered, the loans do not adhere to the 1% spread requirement in AG 49.
    • [Bonk: Not in Proceedings]
      • Sheryl Moore
        • 3/ - Piggyback on Tom Taylor's comments. Non-guaranteed having insurance illustrations to increase. paying for higher returns. compounding the number of factors that can change form original illustration to inforce illustrations.  Agrees with Regalbuto - Fixed Life Insurance vs Security. many factors could change the illustration, not just interest rate. 
        • 3/ - Sheryl Moore - re: Regalbuto. loans.
          • Agents don't understand multipliers
          • "That's on you"
  • 2019 1114 - NAIC - IULSG - IUL Illustration (A) Subgroup, Conference Call
  • It is during this time that I became intimately familiar with the class action lawsuits that plagued nearly all sellers of interest-sensitive life insurance products that were marketed in the 1980's.
    • Although equally exposed to "vanishing premium" cases on the whole life side, it is the Universal Life (UL) purchasers that I spoke to most-frequently.
    • These were often elderly people, on fixed incomes, and recently uninsurable; individuals who had been shown UL illustrations at then-current rates of 12.00% at the UL policy's point-of-sale, but later had their inforce renewal rates dropped to the minimum guaranteed rates of 4.00%.
  • ⇒  I am certain that all interested parties in this matter can understand the grand disparity between projected and realized outcomes on these policies.

2014 0928 - Letter - Sheryl J. Moore to NAIC (LATF) - Moore Market Intelligence - RE: Actuarial Guideline on Illustrations for Indexed Life Insurance Policies - [link]

2014-1, NAIC Proc. -  Mike Boerner, Chair of Life Actuarial Task Force, Texas Department of Insurance

  • Sheryl Moore (Moore Market Intelligence) said she is concerned that some companies are increasing their insurance charges to subsidize their option budget.
    • She said she is also concerned that the practice of playing “bait-and-switch” with renewal rates is becoming more common among universal life products.

2014-3, NAIC Proceedings - Moore Market Intelligence Letter (9-28-14) ................ 6-345

  •  2012 0110 - BrokersAlliance - Introduction to Indexed Universal Life - [Sheryl Moore] - [YouTube-27:23]
    • 26 - Sheryl Moore: What your Agents need to know about. And that is what is the integrity of the renewal rates with the company that you are doing business with. Because some of these insurance companies have very high, inflated first year rates and they are subsidizing them with the rates in years two plus.
      • Steve Savant: That sounds so evil to me.
      • Sheryl Moore: eh... No Comment. I'll just say it's become a function of our independent agent distribution system unfortunately.
  • BrokersAliance - Indices & Crediting Methods Indexed Universal Life - Moore - youtube.com/watch?v=M7UK_7cstGg&t=61s
  • BrokersAlliance - Proposals, Illustrations & Income Scenarios Indexed Universal Life - Moore (Part 3) youtube.com/watch?v=JM8Nda9r1EA