Description: Report summarizing the results of the 2009 Policyholder Behavior in the Tail working group with respect to UL policies with Secondary Guarantees Survey.

Description: This study examines individual universal life persistency. This report shows annualized results based on data from calendar years 1988, 1990, and 1992. The purpose of this study is to examine universal life lapsation and persistency by selected policy, agent, insured, and product characteristics.