When it comes to loans and bank accounts, interest rates matter. Savings account interest rates dictate how much your deposits earn. Loan interest rates, on the other hand, determine how much it costs ...

Discover how VUL policy expenses compare to whole life and other products when you understand design options and funding ...

Many people are sold a variable annuity with the understanding they will receive a lifetime income stream, which sounds like a good idea when planning for retirement. The truth is there usually is a ...

While I discussed a variety of ways that insurance companies manage the risks around supporting lifetime income guarantees, fees are the headline mechanism for managing the guarantee risk. Fees can be ...

These policies let you invest your cash value directly in mutual fund-like accounts, but they also carry risks if the investments lose money Written By Written by Insurance Staff Writer, WSJ | Buy ...

Both in the mathematical sense and in the business world, an independent variable is one that stands alone and is not affected by outside forces. When it comes to evaluating cost in business, ...

Understanding which licenses and processes are required to sell variable annuities is an essential step for financial professionals–including financial advisors, brokers or insurance agents–who are ...