Two IUL policies with the same carrier, premium, and illustrated rate can produce very different cash value. This article separates what design fixes at issue from what the carrier can change later, and sets out what a board should require before approving an IUL-funded plan.
Executive benefit proposals often focus on retirement income and accounting treatment. This whitepaper introduces a five-dimensional framework that helps boards evaluate the full economic impact of executive benefit decisions.
Life insurance is a common tool for funding SERPs, but success depends on more than the product. Many issues stem from untested assumptions, unclear costs, and lack of scrutiny. This article highlights the key questions decision makers should ask to evaluate performance, risk, and long term viability, helping organizations make more informed financial commitments.
The most consequential decision in many executive benefit plans isn’t the product, carrier, or benefit type. It’s how compensation is embedded in the structure — and whether anyone independent of the provider evaluated it.
Arctis Advisory (“AA”) provides fee-only consulting services and does not receive compensation from product manufacturers. Arctis Insurance Solutions (“AIS”) is a separate insurance brokerage that may receive carrier-paid commissions if engaged for policy placement. Clients are not required to use AIS. Arctis does not provide plan administration, quarterly reporting, recordkeeping, or legal/tax advice. All compensation arrangements are disclosed in writing prior to engagement or application.
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