Author Archives: Scott Karstens

Utilizing the Catchup Provision Could Save 20% or more!

We have two recent posts Guranteed Universal Life Landscape Q3 2020 and Using Hybrid Guaranteed Indexed Universal Life that do a good job of covering the GUL…
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Using Hybrid Guaranteed Indexed Universal Life

When we look at the GUL Landscape, we have seen a considerable change in the leverage we are able to provide our clients.…
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Guranteed Universal Life Landscape Q3 2020

With continued low interest rates and muted client engagement in 2020, the Guaranteed Universal Life (GUL) space has become smaller and more competitive…
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John Hancock Instant Decision Underwriting

John Hancock has a process tied to their brand new eApp for Instant Decision Underwriting.  This process requires the agent to login to…
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