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Tag Archives: IUL Cap vs Participation Rate

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Index performance passes through an adjustable participation-rate dial before reaching an IUL policy.

What Is an IUL Participation Rate and Why Does It Matter?

Indexed Universal Life Insurance, Retirement InsightsBy Dr. Dylan FosterSeptember 26, 2026Leave a comment

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.

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