Is an IUL Actually Invested in the S&P 500?
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 Get S&P 500 Dividends?
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.
What Happens to an IUL If the S&P 500 Has a Bad Decade?
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.