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Would love to hear from Life Insurance agents what this article says about using Permanent Life Insurance as an Investment?
This article is From Bloomberg.
This article is From Bloomberg.
A $158 Billion CLO Bet is Putting the Insurance Industry at Risk
- Thread starter marindependent
- Start date
None of the companies in the Bloomberg article underwrite IUL products. They are talking about the underlying bond portfolios for the annuity carriers. What it really says to a Life Agent is to present the products the correct way, and not try to show unrealistic returns year after year in your illustration. Be conversative no how you solve so that the product over-delivers on the client annual statement..
It's really just 1 spin versus another, the article says how the carriers analysis has a more optomistic view of what the bonds would perform, AND those bonds have been liimiting the risk from the downward exposure like they are supposed to. The article says that Bloombergs numbers (or whomever the opposition is) is show an "extreme" model to try to prove their point of potential defaults written in the article.
It's really just 1 spin versus another, the article says how the carriers analysis has a more optomistic view of what the bonds would perform, AND those bonds have been liimiting the risk from the downward exposure like they are supposed to. The article says that Bloombergs numbers (or whomever the opposition is) is show an "extreme" model to try to prove their point of potential defaults written in the article.
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