More Universal Life Premium COI Hikes Are Coming: Analyst

Here’s a forecast from big life settlement investors about the future of universal life insurance. They have a vested interest in the price stability of the policies they buy, so they pay extra attention to the possibility of cost increases.

“Sheridan has developed a mathematical model that suggests that life insurers are especially likely to impose COI increases on older, underpriced policies. His analysis suggests that the life insurance units at companies such as MetLife Inc. and Manulife Financial Corp. could face pressure to increase COI charges.”

To be a proactive advisor to your clients, I suggest you follow the guidelines below.

Feel free to contact me to discuss conducting policy audits; documenting your sales recommendations;, and selling guaranteed universal life.


  1. Audit the universal life policies of your clients to make sure they won’t implode;


  1. Be extra careful and thorough when selling universal life on a non-guaranteed basis – and document your disclosures;


  1. Give extra consideration to selling universal life as “permanent term insurance” with lifetime guarantees so you can avoid the problem of cost increases.


Here’s a link to the original article:


This week’s seminar will take place on Thursday, March 8th, 4:00 p.m. to 4:30 p.m. EST.

A sales seminar with Joe Cocanour, Director of Agency Services for Crump InsureNOW Direct.  Joe is our Crump contact for setting up institutional clients.

How Sales Assist Can Help your Client’s find the Right Long-Term Care Solution

Joe will discuss the differences between Traditional Long-Term Care, Life with Long-Term Care rider and Hybrid Long-Term Care solutions and how Sales Assist can help you provide the right solution for your clients.



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“How to make your strategic insurance partnership hum with activity!”

This group is for brokers and advisers who have formed a strategic partnership with the Office of Steven H Kobrin, LUTCF/The Hardersen Group/Crump. It is also for financial professionals who want to learn more and potentially join us.

Strategic partnerships among sales people, general agents, and wholesalers are the wave of the future in our industry. Together we can bring the best products and services to more insurance consumers than ever before. This group will provide you with ideas and insights on how to do that. 

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