How do IUL fees and cost of insurance change as you get older? Learn why age can increase insurance costs, how the amount at risk can affect charges, and why retirement projections need to account for costs decades into the policy.
Does IUL indexed interest compound? Learn what happens after indexed interest is credited, how policy values can build over multiple crediting periods, and why cash-value growth is not the same thing as simply compounding an index return.
How is IUL indexed interest actually calculated? Follow the process from index movement to participation rate, cap, spread, floor, and the final indexed-crediting result, then see why that number is not the same as your policy’s overall return.
What is an IUL spread? Learn how a spread can reduce an indexed-crediting result, how it differs from a cap and participation rate, and why it can matter when projecting retirement income.
What does an IUL participation rate actually mean? Learn how participation rates affect indexed interest, how they differ from caps, and why the rate used in an illustration can change projected retirement income.
What does an IUL cap actually do? See how a 10% cap can limit indexed interest during strong index years, how it works with a 0% floor, and why cap assumptions matter when projecting retirement income.
Is an IUL actually invested in the S&P 500? No. Learn what “indexed” really means, how the S&P 500 can affect indexed interest, and why IUL crediting is different from owning an index fund.
Does an IUL receive S&P 500 dividends? Learn why indexed universal life does not directly own the index, why dividends should not be added to IUL indexed crediting, and how this affects IUL vs. stock-market comparisons.
A 0% indexed-crediting floor can help during negative index years, but what if weak markets last for a decade? See how low crediting, policy charges, loan costs, and retirement distributions can affect an IUL over a prolonged bad period.
Your IUL illustration may show guaranteed and nonguaranteed values side by side. Learn what those columns actually mean, what can change, and why projected retirement income is not the same as a contractual guarantee.