Revisions to the National Association of Insurance Commissioners (NAIC) actuarial guidelines—referred to as AG 49-A—are expected to go into effect December 14, 2020. We are making changes to our suite of IUL products to comply with AG 49-A beginning November 21, 2020. Our IUL products will have adjusted cap rates, Account Value Enhancement (persistency bonus) and max illustrated rates.
After these changes, our IULs will continue to offer you and your clients valuable protection, strong cash value and other flexible features through simple, transparent product designs.