North American AG49-B Changes to IUL Illustrations

The National Association of Insurance Commissioners (NAIC) has recently revisited Actuarial Guideline 49-A (AG 49-A).

The Life Actuarial Task Force approved a revised version of AG 49-A called “AG 49-B” which dictates how you may illustrate an indexed universal life (IUL) insurance policy. The result of these changes will impact the maximum illustrated rates allowed for North American’s IUL product line. Caps, spreads, and participation rates are not changing at this time.

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