The life insurance industry seems ready to make a return to offering cash-accumulation insurance products instead of no-lapse guaranteed death benefit products, writes Mike Tinsley of Symetra Life Insurance. Low interest rates and increased capital demands for no-lapse guarantee products are fueling the shift, Tinsley writes. "Permanent, cash value-emphasis life insurance is slowly reemerging as an attractive, well-balanced option for consumers," he writes.

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