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The marketing environment for universal life sales remains tough. According to a recent LIMRA report, sales by premium volume were off 29% for the quarter. Results for the first six months of 2009 were down 27%. However, a particularly bright spot is that sales by policy count actually rose 8% for the quarter. We attribute the rise to increased popularity of low premium guaranteed death benefit policy designs and options. Low, guaranteed level premiums and coverage for life (for those not utilizing an accumulation/income strategy) are hard to ignore in these stormy times.


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