When advising clients on permanent life insurance and executive benefit funding, we often step back to examine long-term interest rate trends. The structure of yields — not just their level — influences insurer portfolios, crediting rates, and ultimately, product pricing.

Our new Treasury Yield Curve Explorer on FincLense.com allows users to visualize decades of U.S. yield data interactively. It’s a practical way to see how dramatically the market environment for insurers — and policyholders — has shifted.

For life insurers, long-term guarantees mean long-term risk: duration mismatches, reinvestment challenges, credit spread volatility, liquidity management, and evolving regulatory capital frameworks all shape the economics of modern permanent life insurance.

Check out our recent blogpost on Strategic Balance Sheet Applications of Life Insurance here.

Explore the tool at FincLense.com, and let us know your thoughts.

Valhalla Business Advisors is dedicated to offering specialized services to our clients so they can navigate all options available with confidence. Our expert team is here to guide you through every step. To explore how we can support your organization’s needs, please don’t hesitate to contact Stuart or Jens for a detailed discussion.