Stonewood Financial Blog

Martin Ruby

Martin Ruby, FSA is an actuary and CEO of
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Recent Posts

An Actuary’s Take:  COVID-19’s Economic Impact

Posted by Martin Ruby on April 2, 2020 at 8:45 AM

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.

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Did the WSJ miss the difference between IUL and UL?

Posted by Martin Ruby on February 6, 2020 at 10:17 AM

Today's IUL is very different - in design and use - from many of the UL products of the past. 

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Topics: Insider

How the New Tax Law Can Transform Your Practice

Posted by Martin Ruby on January 24, 2018 at 3:56 PM

In December, Congress passed a bill that could transform your practice in 2018 and beyond.

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Are IUL Illustration Rates Too High?

Posted by Martin Ruby on December 14, 2017 at 3:30 PM

There’s been a lot of chatter lately (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?

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