Are Life Insurance Companies strong coming out of the COVID Pandemic?

With recent media coverage speculating that life insurance companies are struggling due to the financial crisis and COVID-19, it’s easy to feel uncertain about the stability of life insurance policies. Today’s guest, Attorney Andrew Rinn—Vice President of Advanced Markets at Ameritas—offers an insider’s perspective on the current state of mutual life insurance companies. He explains how mutual insurers, particularly those with strong cash reserves and low debt ratios, are well-positioned to leverage opportunities in the bond market despite economic challenges.

Andrew also highlights how these companies have adapted underwriting processes, minimizing paramedic requirements with virtual research to accommodate new policies. In times like these, the enduring value of life insurance guarantees is more apparent than ever. Mutual companies like Ameritas remain committed to protecting policyholders with strong guarantees and flexible liquidity options, like policy loans.

Key Takeaways:

An insider look at mutual life insurance companies’ resilience and adaptability during economic downturns.
How cash reserves and low debt ratios support favorable bond market deals.
Innovations in underwriting to make policy access easier during COVID-19.
The enduring importance of life insurance guarantees and flexible policyholder benefits.

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