In Times of Low Growth, Preservation is Key

LIMRA statistics indicate that life insurance sales have dropped across product lines, with a 23-percent drop in premium levels in the first half of 2009 compared to the same period a year earlier (U.S. Individual Life Insurance Sales Trends, Second Quarter 2009). Sales of higher margin and fee-based products, such as universal life and variable universal life, have suffered most, while term experienced only slight declines.

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