Life Insurance Lingo Made Easy

Tom and John sit down for a special interview with Rob Sharp and Kelly Halverson, two Vice Presidents from Ameritas Life Insurance Company. Kelly, an actuary, brings valuable insight into how life insurance policies are structured and what goes into making strong guarantees for policy owners.

They dive into important topics like direct vs. non-direct recognition and how re-insurance protects both policy owners and beneficiaries. Plus, learn how artificial intelligence (AI) is impacting underwriting processes. Rob and Kelly also discuss the importance of official ratings versus strong financials and capital surplus in evaluating life insurance companies.

Key Takeaways:

- Direct vs. non-direct recognition: What’s the difference, and does it matter for policy owners?
- Re-insurance provides a safety net for policyholders and their beneficiaries.
- AI is transforming the underwriting process in the life insurance industry.
- Official ratings vs. financial strength and capital surplus—what should you really look for in a life insurance provider?

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Resources:

Ameritas 2018 Annual Report – Open

Ameritas Financial Highlights – Web Link

Direct of Non-Direct Recognition: What Difference Does it Make? – Blog