If you had to summarize the 2015 life insurance market in a few words they would be "more of the same." As of the fourth quarter of 2014 LIMRA is predicting another flat year for life insurance sales.

As with 2013, this year's story has been a tale of two products: indexed universal life and lifetime guarantee universal life. Both products saw a continuation of opposing trends seen in 2013, effectively cancelling out each other's impact and leading to (on the surface) another lackluster year.

Once the dominant product in the UL suite, LTGUL was surpassed by indexed UL in 2013 and that trend continues in 2014. Low interest rates affected LTGUL sales as carriers who had increased rates or, in a few cases, dropped their lifetime guarantee products had reduced sales.

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