the AG-49A monster
AG-49A is a regulation that is greatly restricting what life insurance carriers can illustrate.
The spirit in which AG-49A was created is actually a good thing, intended to promote consumer protection, preventing overzealous insurance carriers from illustrating overly-aggressive and non-transparent outcomes. However some of these restrictions have made it impossible to show a client how multipliers and indexed/participating loans may potentially enhance or adversely affect cash value performance over time.
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