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Tag Archives: IUL Policy Loan Arbitrage

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  2. Entries tagged with "IUL Policy Loan Arbitrage"

An IUL policy shows loan costs exceeding potential indexed interest, creating a negative difference between the two rates.

Can IUL Policy Loan Arbitrage Turn Negative?

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

Can IUL policy-loan arbitrage turn negative? Learn what happens when indexed crediting falls below the loan cost, why a 0% floor does not prevent negative arbitrage, and how to stress-test the JUMP Strategy.

Two rate paths connected to an IUL policy illustrate the potential positive difference between indexed crediting and policy-loan interest.

How Does Positive Arbitrage Work With an IUL Policy Loan?

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

What is positive arbitrage with an IUL policy loan? Learn how indexed crediting can exceed the applicable loan cost, why the spread is not guaranteed profit, and how this relationship enters the IUL JUMP Strategy.

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