https://completemarkets.com/Article/article-post/2440/%E2%80%98So-Long-Farewell%E2%80%99/
...is. Are you concerned that using historic returns is inappropriate to the proj...mized returns of the underlying 624 historic monthly returns in this particula...
https://completemarkets.com/Article/article-post/1039/The-Bottom-Line-On-Agency-Value/
...contingent income as well, since historical levels might not be sustainable. F...
https://completemarkets.com/Article/article-post/1948/JUDGE-JUDY-RULES-ON-BANKS-INSURANCE-AND-A-CONSUMER-PERSPECTIVE/
...o regain and/or perpetuate their historic control and profits, are alleging a ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/2440/%E2%80%98So-Long-Farewell%E2%80%99/
... ! If, on the other hand, we used the month-to-month total returns of Ibbotson Large Cap Equities over the last 52 years to recalculate policy values (the same period as the policy duration in the future), Chart 2 demonstrates a different result. Remember the notion of unintended consequences? 25% to 40% of VUL policies could wind up looking like this. Are you concerned that using historic returns is inappropriate to the projection of current values? Let's apply a Monte Carlo Simulation to 1,000 separate illustration calculations, each of which use randomized returns of the underlying 624 historic monthly returns in this particular case. If we use an asset allocation of 100% Large Cap stocks, the probability of success is 60% and the probability of failure is 40% . Is that a ... guaranteed, had a long history of steady increases. In both instances, if you paid the premium, you got the benefit. When Universal Life, Current Assumption Whole Life, and Variable Universal Life became readily available in the early 1980s, everything we thought we knew about Life insurance went out the proverbial window. With the emergence of these policies at the same time as the introduction of Sam's Club, Costco, and Price Club, consumers were attracted to the apparent opportunity to buy Life insurance for less. And who could argue: if a Whole Life policy's guaranteed premium was $1 ,500, a Universal Life illustration might suggest that the 13% current crediting rate and current scale of COI could reduce that premium to as little as $500. Oh, it's not guaranteed; ...
https://completemarkets.com/company/CompleteMarkets/Articles/content-package/IMMS-Library/TabCategory/article-post/1948/JUDGE-JUDY-RULES-ON-BANKS-INSURANCE-AND-A-CONSUMER-PERSPECTIVE/
... to assure that distributors benefited first-consumer satisfaction was second. The reason we're here today is simple: Technology, global competition, and consumer sophistication have shifted control from providers to consumers. This creates great change-opportunities for the underserved consumers of the past and peril for the overprotected providers of yesterday. Consumers can now control their financial services. Institutional providers, in an effort to regain and/or perpetuate their historic control and profits, are alleging a commitment to the consumer. They've promised user-friendly, one-stop, and hassle-free shopping. The questions are: Has this expectation been met? Are consumers better off today? Simply stated, today's program creates the opportunity for providers and consumers to tell their story to Judge Judy and to have her evaluate their concerns, opinions, and responsibilities. Bailiff: All rise ... and happy. But it's over-you're not in control anymore. Get over it! Where's the Banker? Get up here. Don't keep me waiting like I'm in the teller's line! ' Banker: Your honor, I'm Anne L. Retentive, a lobbyist and attorney representing the banking industry. I'm .. Judge Judy: Wait a minute, do my eyes deceive me? Did the ultimate Boy's Club send a lady to represent themselves? I bet there are more women in this courtroom today than there are on the boards of all the banks in America. Another observation: I don't see any old white guys in this room. I guess that's because they're all at bank board meetings. Let me guess-your notes start with your expressing concern about the burden of regulation. Save your breath. ...