2 Common Index Crediting Methods Used by Indexed Universal Life (IUL) Insurers
Insurers determine the rate of return to enter into their interest crediting formulas in their Indexed Universal Life (IUL) policies … Read more
Insurers determine the rate of return to enter into their interest crediting formulas in their Indexed Universal Life (IUL) policies … Read more
Selecting the best cash value life insurance policy is a difficult task involving a number of complicated concepts. However, because … Read more
The equity indexes that insurers use for their interest crediting formulas are price indexes, not total return indexes. Price indexes … Read more
Insurers and policyowners can configure an IUL policy’s premium payments and death benefits to resemble virtually any type of life … Read more
The income tax rules for IUL policies are virtually identical to the tax rules for UL policies which are essentially … Read more
Policyowners of index universal life bear virtually all the disadvantages they would bear if they owned regular universal life policies. … Read more
Policyowners of Indexed Universal Life (IUL) enjoy virtually all the advantages they would enjoy if they owned regular Universal Life … Read more
Potential policyowners may consider IUL for any life insurance need. Initially, the insurer and policyowner may configure an IUL policy’s … Read more
Indexed Universal Life (IUL) is a pseudo-hybrid of regular (or fixed) universal life (UL) and variable universal life (VUL). Like … Read more
The unique advantage of Indexed Universal Life (IUL) is that it allows policyowners to earn potentially higher returns tied to … Read more