Cracking The Code: Fixed And Index Life Crediting/Cap Rates

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Cracking The Code: Fixed And Index Life Crediting/Cap Rates

March 2019

The yield curve has noticeably changed over the past couple of years, so what impact will that have on universal life (UL) crediting rates, whole life (WL) dividend rates, and index universal life (IUL) segment cap rates? In this webinar we’ll discuss the forces impacting these rates and explore ways to set appropriate expectations for the future.

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Expert Presenter

Kraig Klinkhammer, Chief Operating Officer, Executive Benefits

Kraig Klinkhammer has 20 years of experience in executive benefits, asset management, and various applications of life insurance and financial planning. As Gallagher Executive Benefits’ chief operating officer, Kraig ensures our clients’ benefit and investment programs run smoothly, from design to ongoing service. He sets the pace for staff goals, development training, and forward-looking corporate initiatives. Kraig also manages our investment and portfolio strategy, working closely with asset management firms, life insurance companies, and other financial service organizations to ensure clients have access to a wide variety of compliant solutions.

Prior to joining Gallagher Executive Benefits, Kraig serves as manager of the bank-owned insurance portfolio for a large regional bank where he was responsible for the oversight of insurance investments exceeding $5 billion. In this role, he was also responsible for budgets, forecasted revenue/expenses, cash flow management, P&L impact, Sarbanes-Oxley/GAAP compliance and financial account procedures.

Kraig earned his Master of Science in Financial Analysis and Bachelor of Science in Finance-Law from Portland State University in Oregon. He holds an insurance license as well as FINRA series 7, 63, and 65 licenses. Kraig lives outside of Portland, Oregon, where he and his family enjoy exploring the coastline and new local restaurants.