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Universal Life Insurance

Universal Life is a type of flexible permanent or non-expiring Life insurance with an underlying cash value. When a premium payment is made, it's added to a the policy's running cash-value balance. Each month part of it goes towards the actual cost of insurance. The balance of the separate account accrues interest at a rate determined by how the policy was set up. This is generally a variable type rate based on a stock index such as the S&P 500. The policy might also have a minimum interest percentage that it can earn if its linked index is not performing so well.








Insurance Industry News from ProgramBusiness.com

Ratings, Ratings, Ratings http://www.programbusiness.com/tracking/sftracker.asp?Sfid=231

More agencies across the country count on AMS-Rackley rating products than any other rating product on the market. AMS supports rating customers nationwide - so you can be confident your rating products are tried and true.

Web Solutions - RATEWrite
Carriers using RATEWrite can provide their agents a Web-based solution to rate, quote, submit and issue. Our tried and tested technology gives you a product with secure single-sign on and management reporting capabilities. Faced with a "buy or build" decision to Web-enable your suite of personal commercial or specialty lines? See how RATEWrite technology and the industry experience of Rackley Solutions can increase your speed to market.

Also see Commercial Lines ISO Desktop and Other Carrier Solutions.

Carrier Preferred Partnership Program - Real-Time access
to carrier web sites

Carrier Bridges - XML, AL3 and Proprietary Access
Professional Services

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