Tag Archives: IUL 0% Crediting

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Should You Reduce IUL Income After a Bad Crediting Year?

Indexed Universal Life Insurance, Retirement InsightsBy Dr. Dylan Foster September 28, 2026 Leave a comment

Your IUL just had a weak or 0% crediting year. Should you cut retirement income? See what to check before changing distributions and why one bad year does not automatically mean the strategy is failing.

What Happens If Your IUL Credits 0% While Your Loan Costs 5%?

Indexed Universal Life Insurance, Retirement InsightsBy Dr. Dylan Foster September 27, 2026 Leave a comment

What happens when your IUL credits 0% while your policy loan costs 5%? See why the 0% floor does not eliminate loan costs, what the 5-point unfavorable relationship really means, and how to stress-test it.