--- title: Stonewood Financial Blog | Martin Ruby description: Martin Ruby, FSA is an actuary and Founder of Stonewood Financial --- ** Menu ![Stonewood](https://blog.stonewoodfinancial.com/hs-fs/hubfs/Stonewood-Financial_June2017-Theme/Images/mobile-logo.png?width=120&height=52&name=mobile-logo.png) [![Stonewood Financial Logo](https://blog.stonewoodfinancial.com/hs-fs/hubfs/logo-1.png?width=175&name=logo-1.png "Stonewood Financial Logo")](https://www.stonewoodfinancial.com) [Customer Login](http://app.stonewoodfinancial.com/login.php) ## Stonewood Financial Blog ## Martin Ruby ![](https://blog.stonewoodfinancial.com/hubfs/Marty_Web4.jpeg) Martin Ruby, FSA is an actuary and Founder of Stonewood Financial Find me on: ### Recent Posts ## [An Actuary’s Take:  COVID-19’s Economic Impact](https://blog.stonewoodfinancial.com/blog/an-actuarys-take-covid-19s-economic-impact) Posted by [Martin Ruby](https://blog.stonewoodfinancial.com/blog/author/martin-ruby) on April 2, 2020 at 8:45 AM - [Tweet](https://twitter.com/share) [![](https://blog.stonewoodfinancial.com/hubfs/mhr_landscapesmall.jpg) ](https://blog.stonewoodfinancial.com/blog/an-actuarys-take-covid-19s-economic-impact) It doesn’t take an actuary to know today’s market is in a volatile tumble. The social distancing protocol of the COVID-19 pandemic has sent markets – and the economy – into a tailspin. [Read More](https://blog.stonewoodfinancial.com/blog/an-actuarys-take-covid-19s-economic-impact) 0 Comments [Click here to read/write comments](https://blog.stonewoodfinancial.com/blog/an-actuarys-take-covid-19s-economic-impact#comments-listing) ## [Did the WSJ miss the difference between IUL and UL?](https://blog.stonewoodfinancial.com/blog/wsj-iul) Posted by [Martin Ruby](https://blog.stonewoodfinancial.com/blog/author/martin-ruby) on February 6, 2020 at 10:17 AM - [Tweet](https://twitter.com/share) [![](https://blog.stonewoodfinancial.com/hubfs/IUL.png) ](https://blog.stonewoodfinancial.com/blog/wsj-iul) Today's IUL is very different - in design and use - from many of the UL products of the past.  [Read More](https://blog.stonewoodfinancial.com/blog/wsj-iul) 0 Comments [Click here to read/write comments](https://blog.stonewoodfinancial.com/blog/wsj-iul#comments-listing) Topics: [Insider](https://blog.stonewoodfinancial.com/blog/topic/insider) ## [How the New Tax Law Can Transform Your Practice](https://blog.stonewoodfinancial.com/blog/new-tax-law-and-your-practice) Posted by [Martin Ruby](https://blog.stonewoodfinancial.com/blog/author/martin-ruby) on January 24, 2018 at 3:56 PM - [Tweet](https://twitter.com/share) [![](https://blog.stonewoodfinancial.com/hubfs/How%20the%20new%20tax%20law.png) ](https://blog.stonewoodfinancial.com/blog/new-tax-law-and-your-practice) In December, Congress [passed a bill](https://www.cnn.com/2017/12/20/politics/house-senate-trump-tax-bill/index.html) that could transform your practice in 2018 and beyond. [Read More](https://blog.stonewoodfinancial.com/blog/new-tax-law-and-your-practice) 0 Comments [Click here to read/write comments](https://blog.stonewoodfinancial.com/blog/new-tax-law-and-your-practice#comments-listing) ## [Are IUL Illustration Rates Too High?](https://blog.stonewoodfinancial.com/blog/are-iul-illustration-rates-too-high) Posted by [Martin Ruby](https://blog.stonewoodfinancial.com/blog/author/martin-ruby) on December 14, 2017 at 3:30 PM - [Tweet](https://twitter.com/share) [![](https://blog.stonewoodfinancial.com/hubfs/IndexingExp.png) ](https://blog.stonewoodfinancial.com/blog/are-iul-illustration-rates-too-high) There’s been a [lot of chatter lately](http://www.investmentnews.com/article/20171213/FREE/171219958/critics-say-regulation-hasnt-curbed-overly-rosy-projections-for?utm_source=Morning-20171214&utm_medium=email&utm_campaign=investmentnews&utm_visit=326034&itx%5bemail%5d=6e1d8e0207006a8ad52b52b8b652b6660903423d6682aab2069bb8b0ff21f0af%40investmentnews) (particularly from whole life producers) about the effectiveness of AG 49. Most of the talk is centered around the question: Are IUL max illustrated rates still too high? [Read More](https://blog.stonewoodfinancial.com/blog/are-iul-illustration-rates-too-high) 0 Comments [Click here to read/write comments](https://blog.stonewoodfinancial.com/blog/are-iul-illustration-rates-too-high#comments-listing) [All posts](https://blog.stonewoodfinancial.com/blog/all) ## Stonewood Insights ### Simple. Powerful. Meaningful. Welcome to our corner of the internet. You've found the place advisors go for insight, education and "never-thought-of-that-before" moments. If you're ready to grow your practice with IUL, Stonewood is ready to help.   ### Subscribe to Email Updates ### Recent Posts [![Share on Facebook](https://static.hubspot.com/final/img/common/icons/social/facebook-24x24.png)](http://www.facebook.com/share.php?u=https%3A%2F%2Fblog.stonewoodfinancial.com%2Fblog%2Fauthor%2Fmartin-ruby%3Futm_medium%3Dsocial%26utm_source%3Dfacebook) [![Share on LinkedIn](https://static.hubspot.com/final/img/common/icons/social/linkedin-24x24.png)](http://www.linkedin.com/shareArticle?mini=true&url=https%3A%2F%2Fblog.stonewoodfinancial.com%2Fblog%2Fauthor%2Fmartin-ruby%3Futm_medium%3Dsocial%26utm_source%3Dlinkedin) [![Share on Twitter](https://static.hubspot.com/final/img/common/icons/social/twitter-24x24.png)](https://twitter.com/intent/tweet?original_referer=https%3A%2F%2Fblog.stonewoodfinancial.com%2Fblog%2Fauthor%2Fmartin-ruby%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&url=https%3A%2F%2Fblog.stonewoodfinancial.com%2Fblog%2Fauthor%2Fmartin-ruby%3Futm_medium%3Dsocial%26utm_source%3Dtwitter&source=tweetbutton&text=Stonewood%20Financial%20Blog%20%7C%20Martin%20Ruby) [![Share on Pinterest](https://static.hubspot.com/final/img/common/icons/social/pinterest-24x24.png)](http://pinterest.com/pin/create/button/?url=https%3A%2F%2Fblog.stonewoodfinancial.com%2Fblog%2Fauthor%2Fmartin-ruby%3Futm_medium%3Dsocial%26utm_source%3Dpinterest&media=) © 2021 Stonewood Financial [Privacy Policy](https://www.iubenda.com/privacy-policy/46545157) For financial professional use only. The information provided herein is the exclusive property of Stonewood Financial Tools and is protected by copyright and other intellectual property laws of the United States. This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice.