Commentary: Creativity is important in marketing universal life

02/28/2013 | National Underwriter Life & Health

Insurers must be creative in designing and marketing universal life even as the products' share of premium is increasing, writes Bill Aguayo of Insurance Technologies. Fixed-indexed universal life insurance and secondary-guarantee universal life products can be used to keep universal life alive and appealing in the market, Aguayo writes. Other strategies include increasing policy charges, adding features such as long-term-care riders and diligently monitoring profit sources, he writes.

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