TAILIEUCHUNG - Variable Universal Life Insurance: Is it Worth it?

Our model identifies new explanations for why large and small firms make different insurance offer decisions; they are based on turnover rates and within-firm and between-firm heterogeneities. Large firms tend to have greater within-firm heterogeneity than small ones, and so they are more likely to have some employees who strongly desire health insurance and less likely to attract only workers who do not find health insurance attractive. Our main insight is that small firms face a more severe selection problem because their expected health-care cost distributions have higher between-firm variances, and small firms have private information about their own expected costs | Variable Universal Life Insurance Is it Worth it James H. Hunt . February 2003 I. Introduction Variable life insurance provides death benefits and cash values that vary in accordance with the performance of a selected investment portfolio. It has been available in the United States for about a quarter of a century. The policyowner may allocate premiums net of premium charges among investment accounts that offer a wide range of risk and opportunity from money market and government bond accounts to domestic and international equity accounts. In the 1990 s a period of rapidly rising equity values sales of variable insurance rose from about 400 000 policies in 1990 to about 1 400 000 policies in 2000. In 2000 variable life insurance captured about 57 of the market for individually sold new cash value policies when measured by new premiums. Total premiums for the first policy year for all cash value policies came to about billion in 2000 of which variable life premiums were about billion. More than 94 of variable sales were on the policy form known as variable universal life VUL the subject of this report. The firm Tillinghast actuarial consultant to many life insurers recently reported that sales in 2002 are expected to trail 2000 by about 35 reflecting stock market woes. At the same time Tillinghast predicted a return to 2000 sales levels by the year 2005 but this outlook may be unduly optimistic. In any event it is clear that variable life insurance is a big market in the United States representing an estimated 40 or more of new premiums at the reduced sales level. The writer is a life insurance actuary who for more than 15 years has operated a service evaluating cash value life insurance policies. Since 1995 that service has been under the auspices of the Consumer Federation of America. See or . In general a cash value life insurance policy is either whole life WL universal life UL or variable universal

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